Oregon's best Medicare Supplement options come from insurers with the lowest rates in each category. Moda Health leads Plan G pricing at $185 monthly. For Plan N buyers, Everence Association offers $128 monthly rates while USAA provides Plan F at $197 monthly for grandfathered beneficiaries. Since federal law standardizes benefits by letter, paying more gets you nothing extra.
Best Medicare Supplement Plans in Oregon (2026)
Updated: January 26, 2026
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Key Takeaways
Moda Health offers Oregon’s lowest Plan G rate at $185 per month, while USAA provides the most affordable Plan F option at $197 monthly. Everence has the cheapest Plan N rate at $128 per month.
Medicare Supplement plans in Oregon cost between $100 and $288 per month for most plan types, depending on coverage level, provider and pricing style.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Oregon
| United American | A | $108 | $97 | Attained Age Pricing |
| Humana | B | $208 | $42 | Attained Age Pricing |
| United American | C | $222 | $56 | Attained Age Pricing |
| State Farm | D | $187 | $24 | Attained Age Pricing |
| USAA | F | $197 | $91 | Attained Age Pricing |
| Moda Health Plan, Inc. | G | $185 | $39 | Attained Age Pricing |
| AARP | K | $66 | $34 | Attained Age Pricing |
| Everence Association Inc. | L | $118 | $21 | Issue Age Pricing |
| Transamerica | M | $180 | $0 | Issue Age Pricing |
| Everence Association Inc. | N | $128 | $37 | Issue Age Pricing |
*Prices are for 65-year-olds.
Moda Health
MoneyGeek Rating
4.1/ 5
4.9/5Affordability
3.6/5Pricing Style
2.7/5Plan Availability
Average Plan G Rate
$185Plan Types
A, F, G, N
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$188Plan Types
A, F, G, N
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Plan Availability
Average Plan G Rate
$195Plan Types
A, F, G, L, N
United American
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Pricing Style
5/5Plan Availability
Average Plan G Rate
$214Plan Types
A, B, C, D, F, G, K, L, N
Humana
MoneyGeek Rating
4.0/ 5
4.2/5Affordability
4.1/5Pricing Style
3.5/5Availability
Average Plan G Rate
$344Plan Types
A, B, C, F, G, K, L, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$187Plan Types
A, C, D, F, G, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Availability
Average Plan G Rate
$203Plan Types
A, B, C, F, G, K, L, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$221Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Oregon
Seven companies sell Plan G in Oregon with a $36 monthly price spread. Pay $185 at Moda Health or $221 at United American for the same standardized benefits. State Farm charges $187. Plan G pays everything Medicare approves except the annual Part B deductible.
| Moda Health Plan, Inc. | $185 | $54 | $2,220 | $648 |
| State Farm | $187 | $52 | $2,244 | $624 |
| USAA | $188 | $51 | $2,256 | $612 |
| Everence Association Inc. | $195 | $44 | $2,340 | $528 |
| AARP | $203 | $36 | $2,436 | $432 |
| Bankers Life | $207 | $32 | $2,478 | $384 |
| United American | $214 | $25 | $2,568 | $300 |
Best Medicare Supplement Plan F in Oregon
Only beneficiaries enrolled before January 1, 2020 can buy Plan F. For those grandfathered in, seven Oregon insurers offer this coverage. Annual savings reach $1,080 when choosing USAA's $197 rate over higher options. Moda Health and Bankers Life offer around $234 to $237. Plan F eliminates every Medicare gap including the Part B deductible.
| USAA | $197 | $90 | $2,364 | $1,080 |
| Moda Health Plan, Inc. | $234 | $53 | $2,808 | $636 |
| Bankers Life | $237 | $50 | $2,844 | $600 |
| State Farm | $240 | $47 | $2,880 | $564 |
| AARP | $244 | $43 | $2,928 | $516 |
| Globe Life | $250 | $37 | $3,000 | $444 |
| Blue Cross Blue Shield | $258 | $29 | $3,096 | $348 |
Best Medicare Supplement Plan N in Oregon
Plan N trades lower premiums for predictable copays. Everence Association charges $128 monthly while AARP wants $159. That $31 gap equals $372 yearly. Most Oregon seniors pay these copays less than the premium difference between Plan N and Plan G. Bankers Life and State Farm price Plan N at $143 to $145, respectively.
| Everence Association Inc. | $128 | $51 | $1,536 | $612 |
| Bankers Life | $143 | $36 | $1,716 | $432 |
| State Farm | $145 | $34 | $1,740 | $408 |
| Globe Life | $149 | $30 | $1,788 | $360 |
| USAA | $155 | $24 | $1,860 | $288 |
| AFLAC | $156 | $23 | $1,872 | $276 |
| AARP | $159 | $20 | $1,908 | $240 |
Personalized Oregon Medicare Supplement Plan Recommendations
Use the filters below to view rates for your specific situation. Select plan type, enter your age and choose whether you want high-deductible coverage. The table displays actual premiums Oregon insurers charge based on your criteria.
Data filtered by:
A
Select
No
| United American | A | No | 65 | $108 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $131 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $134 | $0 | Attained Age Pricing |
| Moda Health Plan, Inc. | A | No | 65 | $141 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $146 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $148 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $181 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $186 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $194 | $0 | Issue Age Pricing |
| Everence Association Inc. | A | No | 65 | $200 | $0 | Issue Age Pricing |
Medicare Supplement Plan Cost in Oregon
Oregon residents age 65 pay $100 to $288 monthly for Medigap coverage, averaging $204 across all plan types. Plan K costs $100 monthly average while Plan F reaches $288. The three most purchased plans average $224 for Plan G, $288 for Plan F and $165 for Plan N.
Annual spending ranges from $1,200 to $3,456. Your cost depends on which company you select, how old you are and the pricing method the insurer uses. Companies charge differently for identical medicare supplement premiums. Plan G rates vary $36 monthly between cheapest and most expensive Oregon options.
| A | $205 | $2,460 |
| B | $250 | $3,000 |
| C | $278 | $3,336 |
| D | $211 | $2,532 |
| F | $288 | $3,456 |
| G | $224 | $2,688 |
| K | $100 | $1,200 |
| L | $139 | $1,668 |
| M | $180 | $2,160 |
| N | $165 | $1,980 |
How to Choose the Best Medicare Supplement Plan
Beyond price and plan letter, consider how rates change over time, whether your insurer will exist in 20 years and how they treat customers filing claims to find the best medicare supplement company in Oregon.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket costs.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Oregon Medicare Resources
Oregon residents needing help with Medicare coverage and enrollment options can look into the below multiple resources that provide free state and federal assistance.
- Oregon Senior Health Insurance Benefits Assistance (SHIBA): tate-trained volunteers counsel Oregon residents about Medicare at no charge. SHIBA advisors explain Medigap policies, prescription drug plans and fraud prevention. No volunteers sell insurance or collect commissions. All guidance stays unbiased. Call local offices to arrange counseling appointments.
- Oregon Department of Consumer and Business Services: : This state agency publishes annual guides comparing Medigap rates from all approved insurers. A consumer helpline answers questions about billing disputes and coverage problems. Staff investigate complaints and enforce Oregon insurance laws protecting state residents.
- Oregon Area Agencies on Aging: Regional offices throughout Oregon coordinate Medicare enrollment help and benefits counseling. Staff connect older Oregonians with community programs, caregiver support and health services statewide. Each area has local aging services available to residents.
- Medicare.gov: CMS operates this federal website with complete Medicare information. The plan finder displays every Medigap, Medicare Advantage and Part D option in your ZIP code. Compare premiums, benefits and quality ratings side-by-side. Enrollment periods and federal coverage rules are explained throughout the site.
Medicare Supplement Plans in Oregon: FAQ
Here are common questions about Medigap coverage in Oregon.
When is Medicare Supplement open enrollment in Oregon?
Medicare Supplement open enrollment in Oregon begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Oregon Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Oregon Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.