Medicare Supplement Insurance (Medigap) in Oregon and Washington

Medicare Supplement Insurance—commonly known as Medigap—helps cover the costs that Original Medicare doesn’t. That includes deductibles, copays, coinsurance, and more. If you're 65 or older, a Medigap plan may give you extra financial protection and peace of mind.


This page will walk you through how Medicare Supplement plans work, which are most popular, when you should enroll, and how we help you compare plans and prices locally.

Helping You Fill the Gaps in Original Medicare

What Is Medicare Supplement?

Medigap is extra insurance you buy from a private company to pay for expenses not covered by Original Medicare. That includes the 20% coinsurance after doctor visits, hospital deductibles, and even emergency care when you travel.

How Medicare Supplement Plans Work

You must have Medicare Part A and Part B to be eligible. Medigap plans are standardized and named by letters (like Plan G or Plan N). No matter which company offers it, each plan with the same letter gives you the same coverage—only the monthly premium varies by carrier.

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Popular Medicare Supplement Plans

  • Plan G: Covers almost everything except the Part B deductible. Most comprehensive plan available to new enrollees.
  • Plan N: Lower monthly premium than Plan G, but you may have copays for office visits or ER.

We’ll help you compare these and other options side-by-side so you understand exactly what you're getting. For a full national comparison, visit this official Medigap plan comparison chart on Medicare.gov.

When to Enroll in Medigap

The best time to enroll in a Medicare Supplement plan is during your Medigap Open Enrollment Period:



  • It starts the month you turn 65 and are enrolled in Part B
  • It lasts for 6 months

During this window, you have guaranteed issue rights, meaning you can enroll in any Medigap plan without medical underwriting. If you wait, you might be subject to health questions or even denied coverage later.


Already past that window? We can still help you explore your options.

Common Questions About Medicare Supplement Plans

  • What is the purpose of Medicare Supplement?

    Medicare Supplement protects you from the large out-of-pocket costs Original Medicare doesn’t cover, such as coinsurance and hospital deductibles.

  • Can I have a Medicare Supplement and a Medicare Advantage plan at the same time?

    No. It’s one or the other. You cannot use Medicare Supplement with a Medicare Advantage plan.

  • Do I need a Medicare Supplement if I have Original Medicare?

    Original Medicare leaves gaps in your coverage. A Medicare Supplement plan helps you avoid surprise bills and gives you more predictable costs.

  • How much do Medicare Supplement plans cost in Oregon and Washington?

    It varies based on your age, ZIP code, plan letter, and insurance company. We can help you compare quotes locally.

  • What about prescriptions?

    Medicare Supplement doesn’t include drug coverage. You’ll need to enroll in a separate Part D Prescription Drug Plan.

Source Attribution:
 This information was obtained from www.medicare.gov.