Medicare Plans
in Oregon and Beyond
Choosing a Medicare plan is one of the most important decisions you’ll make in retirement, so it’s not something to take lightly. At LaPorte Insurance, our role is to serve as your guide through the complexity of Medicare by making sure you understand your options, avoid costly mistakes and choose coverage that truly supports your health and lifestyle.
We take this responsibility seriously because Medicare isn’t just about health insurance. It’s about protecting your well-being, your finances and your peace of mind. We approach every conversation with care, clarity and a commitment to putting your best interests first.
Medicare Plan Types
- Medicare Advantage
- Medigap (Medicare Supplement Insurance Plans)
- Medicare Part D Prescription Drug Plan
Understanding Medicare
The Medicare program consists of multiple plan types, some of which are offered by private insurance companies.
Medicare Part A
Provides hospital coverage. Most people who qualify for Medicare qualify for premium-free Medicare Part A, but you still have to pay out-of-pocket costs, including deductibles and coinsurance.
Medicare Part B
Provides medical coverage. You’ll need to pay a premium along with out-of-pocket costs, including deductibles and coinsurance.
Medicare Part C
Is Medicare Advantage. These are private Medicare plans that combine the coverage under Medicare Parts A and B into one plan. Most plans also include prescription drug coverage, and many offer hearing, dental, vision or other benefits. Premiums and out-of-pocket costs vary from plan to plan; some premiums are as low as $0. However, you still have to pay your Medicare Part B premium.
Medicare Part D
Provides prescription drug coverage. Premiums and out of pocket costs vary from plan to plan. If you are enrolled in a Medicare Advantage plan with prescription coverage, you do not need to buy a separate Medicare Part D plan.
Medigap Plans
Medigap Plans provide supplemental coverage. These plans work with Medicare Parts A and B to help you control your out-of-pocket expenses.
Customizing Your Medicare Program
Medicare enrollees need to decide between Original Medicare (Parts A and B) and Medicare Advantage.
- If you stay in Original Medicare, you can select a Medicare Part D plan to provide drug coverage. Beware that Original Medicare has high out-of-pocket costs (20% for most care covered under Part B) with no out-of-pocket cap. If you’re worried about your out-of-pocket costs, you can buy a Medigap plan.
- If you decide to enroll in Medicare Advantage, you can select from the plans available in your area. These plans can have major differences in terms of costs and coverage, so compare your options carefully.
Your Medicare Guide
It’s good to have options, but it can also be confusing. Here at LaPorte, we’re focused on helping you understand what’s available so you can select a Medicare plan that makes sense for you. With years of experience helping individuals transition to Medicare, we know the ins and outs so you don’t have to. Our goal is to make the process stress-free and clear.
We work with a large group of carriers so we can offer you choices that fit your needs:
FAQs
01I don’t take any prescriptions. Do I need Medicare Part D prescription drug coverage?
02Can I combine Medigap and Medicare Advantage?
03What if I want to switch plans?
04Do I have to pay for help picking a plan?
No! We offer no-cost consultations to help you understand your options and enroll in a plan – Schedule a Medicare Review.
