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We’ll help you understand your Medicare Insurance options so you can decide what’s right for you!
The helpful side of turning 65!
We understand that Oregon Medicare health insurance can be a confusing subject if you are not familiar with it. We take the time to explain it to you, answer all your questions, make sure you are satisfied, and are always just a phone call away. Lorraine and Nick at FG Insurance have worked with Medicare health insurance in Oregon for 15 years and can help with all your questions.
What is Medicare Health Insurance? Medicare was established in 1965, and is a U.S. Government Administered Health insurance Program for people age 65 and older; people under age 65 with certain disabilities, and people of all ages with kidney failure requiring dialysis or a transplant. Most people become eligible the month they turn 65.
The easiest way to apply for Medicare is directly from the social security website at www.socialsecurity.gov, but you can also go in person to your local social security office. If you are in the Portland area there is a local office in Beaverton and one in Portland, Oregon.
Medicare coverage has four basic parts
Part A: Hospitalization coverage. Free for most individuals.
Part B: Medical coverage. Most individuals pay $144.60
Part C: Advantage Plans
Part D: Prescription Drug Coverage
Advantage or Medigap? We’ll help you size up what will serve you and your health best.
There are many Advantage plans on the market and you need to find a plan that is available in the area you live in. Most of these plans use a PPO network and you must make sure your doctor is an in-network provider. Advantage plans work similar to health insurance: you have a co-pay at the doctor and usually a co-pay for hospitalization, surgeries and other procedures.There is a yearly limit to your out-of-pocket expenses which may vary widely. The real advantage to these plans is that many of them offer Alternative care, Vision Care and many offer some Dental. Usually your Prescription drug plan is part of your monthly premium.
The peace-of-mind plan for many.
These are excellent plans and you do not have to worry about choosing any network of doctors. The nice thing about Medigap Plans is that once you choose your plan in Oregon, all insurance companies must offer exactly the same coverage. For many, the Medigap plan F presents the best plan options available. If you are on a MEDIGAP plan you are able to change plans on your birthday from one Medigap plan to another without going through underwriting. This will allow you to shop your plan the month of your birthday. With a Medigap plan F, you will have little to no medical expenses.
As with any plan, it’s critical that you confirm that your chosen medical providers will accept patients with Medicare–not all of them do. You must find your own Prescription Drug Plan. In the past, these plans have not paid for glasses, hearing aids, or dental services and have had minimal Alternative Care benefits. Times are changing though, so you will want to discuss what options are available to you close to the time you need to sign-up; don’t rely on information from past years.
An important part of your coverage!
With your Advantage Plan you will generally just take the prescription plan that goes with the plan you are on. With a Medigap plan, you will have to choose your own prescription plan. FG Insurance represents many Rx plans. If it’s no the right one for you, we will help you find one better suited.
What do we most frequently recommend? If you go to www.medicare.gov and click on the prescription link, you will be able to find the least expensive plan for the specific medications you are currently taking and apply right on line.
We’re so glad we can help make Medicare options easier to understand. We expect you’re a little uncertain about your best choices–most everyone is at first! We always conduct these first time appointments in-person and schedule extra time to be sure you are not rushed–and feel free to bring a trusted friend or family member with you if you like. If you’ve got the general swing of things with Medicare, but maybe your needs are changing, or even if you just need to renew your coverage for the new year, we’re ready to continue giving your our best.
Please bring with you to your appointment:
(503) 488-5522 or (866) 465-1079
Insurance is confusing and can be very expensive. Our health insurance brokers will simplify it for you.
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