Coverage Options
Medicare is government-sponsored health coverage for people 65 and older, or for anyone who has had a qualifying disability for more than 24 months. If you’re close to 65, you’ve probably started getting the mai. It’s a lot. Most of it you can throw away.
Here’s a breakdown of all the different parts of Medicare:
Covers inpatient hospital stays, skilled nursing care, and hospice. Most people don't pay a premium for Part A as long as they have worked and paid Medicare taxes for at least 40 quarters.
Covers your doctors, outpatient services, physical therapy, lab work and durable medical equipment. Part B has an income-dependent monthly premium.
Private insurance plans contracted through the government that bundle Part A and Part B together, usually with Part D included too. Most have a network of doctors, and the coverage can change from year to year.
Covers prescription medications. In Oregon, there are many plans to choose from, and the right one depends entirely on which medication you're already taking.
Private supplemental insurance that covers some or all of what Part A and Part B leave behind. Coverage stays the same year to year, and you can see any doctor who accepts Medicare without worrying about network restrictions.
If you read all of that and still aren’t sure which plan is right for you, that’s completely fine – most people aren’t. Medicare has a lot of moving parts, and most people we talk to are still figuring it out even after they have enrolled. That’s completely normal, there’s a reason people put this off, and the mail doesn’t make it any easier. We’ve been helping people though it since 2010 and we genuinely enjoy doing it.
All Medigap policies are standardized — a Plan G from one company covers exactly what a Plan G from any other company covers. On mobile, tap a plan to see its benefits.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 extra days) | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | 100%*** | |||||||
| Blood (first 3 pints) | 50% | 75% | ||||||||
| Part A hospice coinsurance or copayment | 50% | 75% | ||||||||
| Skilled nursing facility coinsurance | — | — | 50% | 75% | ||||||
| Part A deductible | — | 50% | 75% | 50% | ||||||
| Part B deductible | — | — | — | — | — | — | — | — | ||
| Part B excess charge | — | — | — | — | — | — | — | — | ||
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $8,000 | $4,000 | N/A | N/A |
*Plans F and G also offer a high-deductible version in some states, where you pay Medicare-covered costs out of pocket up to the deductible before the plan pays anything.
**For Plans K and L, once you’ve met your yearly out-of-pocket limit and the yearly Part B deductible, the plan pays 100% of covered services for the rest of the year.
***Plan N pays 100% of Part B coinsurance, except for copays of up to $20 for some office visits and up to $50 for ER visits that don’t result in an inpatient admission.
Plans C and F aren’t available to people who became eligible for Medicare on or after January 1, 2020. Figures shown reflect 2026 amounts. See medicare.gov for the current official chart.
Get Started
We do free medicare consultations, sometimes the fastest way to make sense of it all is just a phone call away. Give us a call or schedule a time that works for you.
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