Best Medicare Advantage Plans Oregon 2025

Did you know that Medicare Advantage Plans in Oregon offer a range of benefits and coverage tailored to your specific health needs?

With a variety of plan types, prescription drug coverage, and additional benefits, these plans provide an all-in-one alternative to Original Medicare.

In this article, we will guide you through the process of finding and selecting the best Medicare Advantage Plan in Oregon to ensure you receive optimal coverage for your unique health requirements.

We will explore the types of Medicare Advantage plans in Oregon, discuss eligibility and enrollment, and dive into prescription drug coverage.

You will also learn how to compare plans using the CMS star rating system, assess provider network accessibility, and consider cost factors.

Finally, we will offer tips on maximizing your benefits, tailoring your plan, and leveraging available resources to help you make the best decision for your health and well-being.


Key Takeaways


  • Assess and compare options using the CMS star rating system, provider network accessibility, and additional benefits.


  • Maximize your plan by tailoring it to your health needs, considering coverage for chronic conditions & necessary medications.

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Exploring Medicare Advantage Options in Oregon

Medicare Advantage Plans in Oregon, delivered by private insurance companies approved by Medicare, serve as an alternative to Original Medicare.

These plans cover equivalent benefits to Parts A and B, frequently incorporating extra features like prescription drug coverage, and hearing, dental, and vision services.

With approximately 21 percent of Oregon’s population enrolled in Medicare, maintaining health insurance coverage after retirement is essential for both physical and financial well-being.


Exploring Medicare Advantage Options in Oregon

Oregon is served by fifteen different private health insurance providers for Medicare Advantage plans, including Providence Medicare Advantage. These plans offer a range of coverage options to meet the individual needs of seniors.

The Oregon Health Authority suggests considering factors such as costs, provider network, prescription drug coverage, dental coverage, and additional benefits when selecting an Oregon Medicare Advantage plan.

Evaluating these aspects allows you to select the most suitable Medicare Advantage Plan in Oregon that aligns with your unique needs.


Unveiling Plan Types and Benefits

Oregon Medicare Advantage Plans include:


  • Health Maintenance Organizations (HMOs),
  • Preferred Provider Organizations (PPOs),
  • Special Needs Plans (SNPs),
  • and Private Fee-For-Service (PFFS) plans.


Each health plan type offers different levels of coverage and provider network flexibility. For example, Medicare Advantage HMO plans provide wellness and health care planning, decreased cost-sharing, and incentives, as well as coverage for supplementary services that Original Medicare typically does not cover, including fitness programs, vision, and hearing.

On the other hand, PPO plans offer more network flexibility, allowing you to visit any doctor or specialist without a referral, both in-network and out-of-network, in contrast to HMO plans that require a primary care physician and referrals for specialist care.

SNPs are specifically tailored for individuals with severe or disabling chronic conditions, while PFFS plans offer flexibility in selecting healthcare providers. Grasping the distinctive traits of each plan type can aid in choosing the most suitable option for your health needs.


Understanding Eligibility and Enrollment Windows


Oregon medicare plans 2025 Eligibility for Medicare Advantage Plans in Oregon depends on age or qualifying disability.

Enrollment is available to:


  • Individuals aged 65 and above
  • Those with a qualifying disability, which is typically established after 24 Social Security or Railroad Retirement Board (RRB) Disability Insurance payments have been received
  • Those with End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS)



The Initial Enrollment Period and the annual Open Enrollment Period from January 1 to March 31 are the designated times for initial enrollment in a Medicare Advantage Plan in Oregon.

If you are already enrolled in a Medicare Advantage Plan, the Open Enrollment Period allows you to alter your plan or switch to Original Medicare. In certain circumstances, you may qualify for a Special Enrollment Period, which can be determined by contacting 1-800-MEDICARE and explaining your situation.

Navigating Prescription Drug Coverage with Oregon Medicare Advantage

Most Oregon Medicare Advantage Plans typically incorporate prescription drug coverage, albeit with diverse costs and tiers.

When evaluating prescription drug coverage, it is crucial to understand how the plan accommodates your medication, what tier your prescription drugs fall into, and if any coverage regulations apply to them.


Medicare advantage plans ratings



Oregon Medicare Advantage plans categorize medications into drug tiers, with each tier representing a different level of cost-sharing. Generally, medications in higher tiers have higher copayment amounts.

However, the exact categorization of medications into tiers may differ between Medicare Advantage plans in Oregon. Ensure your preferred pharmacies are within your chosen plan’s network and be aware of any common coverage rules, such as prior authorization, step therapy, or quantity limits.

Assessing and Comparing Medicare Advantage Plans in Oregon

When comparing Medicare Advantage Plans in Oregon, it is important to consider the following factors:


  • The CMS star rating system, evaluates plans on a 1-5 scale, with 5-star plans offering the best performance
  • The accessibility and flexibility of the provider network
  • Any additional benefits offered by the plan


By considering these factors, you can ensure that you choose the best plan for your needs.

For example, Humana offers 4.5-star Medicare Advantage Plans in Oregon, as rated by the Centers for Medicare and Medicaid Services (CMS).

In 2024, 132 Medicare Advantage plans will be accessible in Oregon, providing various options for residents to choose from. By utilizing the CMS star rating system and assessing provider network accessibility, you can make an informed decision when selecting a Medicare Advantage Plan that best suits your specific health needs.


Decoding the Star Rating System

The CMS star rating system grades Medicare Advantage and Part D plans on a scale of 1-5, with 5-star plans indicating superior performance. Stars are allocated based on measures of quality and performance, such as health outcomes and member satisfaction.

Higher-performing plans with four or more stars may receive annual bonus payments, while plans with lower star ratings, such as one or two stars, may suggest poorer performance and lower quality.

CMS reevaluates Medicare Advantage Plans and updates their star ratings on an annual basis. By understanding the star rating system and its implications for plan quality and performance, you can make an informed decision when selecting a Medicare Advantage Plan that aligns with your needs and preferences.


Checking Provider Network and Accessibility

Assessing the accessibility of the provider network is a key factor in comparing Medicare Advantage Plans in Oregon.


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The provider network for Medicare Advantage Plans in Oregon consists of various insurance providers, including:


  • Aetna Medicare
  • AllCare Advantage
  • ATRIO Health Plans
  • Cigna
  • Devoted Health
  • Humana
  • Kaiser Permanente


The accessibility of the provider network for Oregon Medicare Advantage subscribers may differ based on several variables, including the specific insurance plan and its network regulations.

Some plans require you to obtain care from within the plan’s network of providers, while others offer the flexibility to visit any doctor or specialist who accepts Medicare, both in and out of the network. Review the plan’s network and provider listings to assess accessibility and ensure you choose a plan that aligns with your preferred level of flexibility.

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The Financial Picture: Cost Considerations for Oregon Medicare Advantage

Consider factors like monthly premiums, copayments, and deductibles when choosing a Medicare Advantage Plan in Oregon. The estimated premium for Medicare Advantage plans in Oregon for the year 2024 is $31.22 per month.

This amount is the average monthly premium amongst all the plans in Oregon. According to recent data, an impressive 95.9% of Oregon’s Medicare-eligible population has access to a Medicare Advantage plan with no premium.

This highlights the importance of understanding Medicare and its different options to make an informed decision for one’s healthcare coverage.

Out-of-pocket expenses related to Medicare Advantage Plans in Oregon include an average out-of-pocket cap of $4,835 for in-network services and $8,659 for both in-network and out-of-network services.

By taking these costs into account, you can ensure you choose a Medicare Advantage Plan that fits your financial needs and provides the coverage you require.

Maximizing Your Medicare Advantage Benefits in Oregon

Choose a plan that provides extra coverage like dental, vision, and transportation services to maximize your Medicare Advantage Plan benefits in Oregon.

Certain plans provide Medicare coverage for over-the-counter medicines, fitness memberships, and other wellness programs that can enhance your overall well-being with medical insurance.

Ensure you are receiving the most benefit from your plan by researching and comparing different Medicare Advantage companies in Oregon.


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Take advantage of the additional benefits offered by Medicare Advantage Plans, such as wellness programs, vision, and hearing coverage. By selecting a plan with these additional benefits, you can improve your health and well-being while enjoying comprehensive coverage.

Tailoring Your Plan to Your Health Needs

Adapting your Medicare Advantage Plan to your unique health needs requires considering elements like chronic conditions and necessary prescription medications when choosing a plan.

Some Medicare Advantage plan options for individuals with chronic conditions in Oregon include:


  • UHC Complete Care Chronic Special Needs Plan
  • Moda Medicare Advantage plans
  • Aetna Medicare
  • AllCare Advantage
  • ATRIO Health Plans
  • Cigna
  • Devoted Health
  • Kaiser Permanente


Selecting a plan that best caters to your specific health needs requires paying attention to coverage for your specific health condition, network of healthcare providers, and prescription drug coverage.

By considering these factors, you can customize your Medicare Advantage Plan to meet your unique health requirements and provide the best possible coverage for your needs.

Leveraging Resources and Assistance for Medicare Advantage in Oregon

Make use of available resources and assistance in Oregon to aid in the selection of the right Medicare Advantage Plan.

A Certified Senior Advisor (CSA) is a healthcare professional who can assist beneficiaries in searching for information about Medicare Advantage Plans. They can offer valuable guidance on selecting a plan that suits your specific health requirements and preferences.

Moreover, the Plan Finder, provided by the Centers for Medicare & Medicaid Services (CMS), enables users to compare Medicare Advantage plans and Part D plans, offering data on the cost and coverage of prescription drugs.

By leveraging these resources and assistance, you can make an informed decision when selecting the best Medicare Advantage Plan, also known as Medicare Part C, in Oregon that aligns with your health needs and financial situation.


In conclusion, selecting the best Medicare Advantage Plan in Oregon involves exploring various plan types, understanding eligibility and enrollment, navigating prescription drug coverage, comparing plans using the CMS star rating system, assessing provider network accessibility, and considering cost factors.

By tailoring your plan to your specific health needs and leveraging available resources and assistance, you can ensure that you receive optimal coverage and benefits.

As you embark on this journey towards finding the perfect Medicare Advantage Plan in Oregon, remember to keep your unique health needs and financial situation in mind.

With the right plan in place, you can enjoy comprehensive coverage and peace of mind, knowing that your health and well-being are well taken care of.

Frequently Asked Questions



What are the negatives of a Medicare Advantage plan?

Medicare Advantage plans often come with higher costs, offer fewer coverage options, and may limit the number of providers you can see. Additionally, they often require strict adherence to their rules and regulations.


Does Oregon have a Medicare Advantage plan?

Yes, Oregon has a Medicare Advantage plan. In 2022, there were 132 plans available, and in 2023 this increased to 124 plans. All Medicare-eligible people in the state will have access to a zero-premium Medicare Advantage plan and the average monthly premium for these plans is $33.


What are 4 types of Medicare Advantage plans that are offered in Oregon?

There are three primary types of Medicare Advantage plans: Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Private Fee-for-Service (PFFS) plans. Special Needs plans (SNPs) are also available.


How to apply for Medicare in Oregon?

To apply for Medicare in Oregon, you can visit the official website of the United States government at to begin the application process.


What types of Medicare Advantage Plans are available in Oregon?

Oregon offers various Medicare Advantage Plans, including HMOs, PPOs, SNPs, and PFFS plans.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.