Compare Medicare Supplement (Medigap) Plans
Predictable Costs, Broad Access Across Oregon
Medicare supplement plans in Oregon - often called Medigap - pair with Original Medicare to help cover certain out-of-pocket costs. If you want nationwide access to any provider who accepts Medicare, Medigap can be a strong fit for care in Portland, Eugene, Salem, Springfield, Corvallis, Albany, and beyond. JC Insurance Group lays out Plan G, Plan N, and high-deductible options so you can choose with clarity.
Original Medicare First, Medigap Second
Medigap supplements Parts A and B; it isn’t standalone coverage and it doesn’t replace Medicare. You can’t have Medigap and
Medicare Advantage at the same time, so we’ll help you decide which path fits your budget, travel plans, and provider preferences.
Pair Medigap With Part D
Plan G is the most comprehensive option available to many new enrollees, covering a wide range of Medicare cost shares after the Part B deductible. Plan N often carries a lower premium with small copays for certain visits and potential excess-charge limits. High-deductible Plan G trades a much lower premium for a larger annual deductible. JC Insurance Group will show side-by-sides so you can see total-year costs, not just monthly premiums.
Go Where Medicare Is Accepted
With Medigap, there are no network restrictions. You can see any provider who accepts Medicare - whether that’s OHSU, Providence, Legacy, PeaceHealth, Samaritan Health, or clinics closer to the Pearl District, Sellwood, South Eugene, West Salem, North Albany, and neighborhoods near OSU. If you split time between states, Medigap keeps things straightforward.
Pair Medigap With Part D
Medigap does not include prescriptions. Most people add Part D for medications and consider dental or vision add-ons separately. We’ll review your drug list, preferred pharmacies, and mail-order options to match you with a plan that fits.
Enrollment And Underwriting
Your Medigap Open Enrollment Period begins when you’re 65 or older and enrolled in Part B; this window offers guaranteed acceptance. After that, applications may require health questions in many situations. If you currently have Medicare Advantage and want to switch, we’ll review timing, underwriting, and any trial rights that may apply.
Predictable Costs vs Bundled Benefits?
Medigap focuses on predictable cost-sharing and broad access. Start with Medicare to understand the basics, then compare Medigap with Medicare Advantage’s bundled extras and out-of-pocket maximums. JC Insurance Group will walk through tradeoffs so you can choose with confidence.
Clear Comparisons for Oregon
We compare multiple carriers and explain differences in plain language. You’ll see how Plan G and Plan N stack up for your doctors, medications, and travel, and how premiums and potential copays translate into a real annual number. When you’re ready, we’ll handle enrollment and keep your plan details on file for future check-ins.
Medigap Questions We Hear Most
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Call Us Today.
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Plan G vs Plan N—what’s the difference?
Plan G covers more after the Part B deductible; Plan N often has a lower premium with small copays for certain services. We’ll compare based on your usage.
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Are there network restrictions?
No. You can see any provider who accepts Medicare, in Oregon or nationwide.
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What’s the deductible on high-deductible G?
It’s higher than standard G, but premiums are lower; we’ll confirm the current amount and model total costs.
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Can I switch from MA to Medigap?
It depends on timing and underwriting in many cases. We’ll review your situation and any trial rights.
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Do I still need Part D?
Yes, if you want prescription coverage. We’ll pair Medigap with a drug plan that matches your medications.
Ready to Compare Plan G & Plan N?
Share your ZIP code, doctors, prescriptions, and travel plans. JC Insurance Group will compare Medigap options in your county and outline clear next steps.