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Medicare Advantage Plans (PPO & HMO)

What are Medicare Advantage Health Plans?

Medicare Advantage Health Plans affect the cost, benefits, doctor choice, convenience, and quality of your medical care. These plans offer advantages and disadvantages compared to a regular Medicare Supplement (Medigap) Policy.

If you decide to join a Medicare Advantage Plan, then you will use the health care card that you get from your Medicare Advantage Plan (provider) for your health care. These plans often give you more choices and, sometimes, extra benefits, like extra days in the hospital.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium of $99.90 in 2012 to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. Premiums vary for these plans based upon where you are located and the plan you select.

There are 47 Medicare Advantage Plans are available (in many counties) in Oregon.  Most plans are County Specific. If you purchase one of these Medicare Advantage plans, you will not need a Medigap policy.

There are different ways you can enroll in Part Medicare Advantage or Medicare Advantage Prescription Drug plans.

• Initial Enrollment: This is when you turn 65, or qualify due to Disability if you are younger than 65. You are then "locked in" until the next Annual Enrollment period.
• Annual Enrollment: This occurs annually from October 15^th through December 7^th for a January 1^st effective date. This is where, if you currently have a plan, you can switch to another plan.
• Special Enrollment: There are a number of reasons for Special Enrollments. Loss of a job that provides benefits, death of a spouse who's plan provided benefits, moving to an area where your old plan is not available, etc…

Medicare Advantage Plans (PPO and HMO) are now available in many parts of Oregon. These are the (Medicare HMO and PPO) Plans which have co-payments for Doctors office visits and Hospitals. Unless you are in End Stage Renal Failure, these plans are "Guaranteed Issue". There are 47 Medicare Advantage Plans sold in various counties in Oregon.  We carry plans from PacificSource Medicare, HealthNet, Advantra, Regence BC BS of Oregon, ODS Health Plans, Providence, Today’s Options, Trillium and Others.  Bellow are prices for some of these plans. 

WHAT IS CREDITABLE COVERAGE?

Medicare beneficiaries will have the opportunity to receive subsidized prescription drug coverage through the new Medicare Part D program. Beneficiaries who choose not to sign up at the first opportunity may have to pay more if they wait to enter the program later after the open enrollment period. [more information]

For information on this type of plan, or to see what might be available in your area, please call 800.884.2343 / 541.434.9613, send us an email for information, or complete this contact form.

This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov

Plans & Rates are available for January 1, 2012 effective dates...

This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov

Plans & Rates are available for January 1, 2012 effective dates...