Oregon and Washington Medicare Insurance Coverage

One of the best decisions you can ever make is to enroll for Medicare insurance in Astoria, OR. It will protect you and your loved ones from financial losses if any of you fall sick. Even if you're healthy, one can never know when you'll get ill or have an accident. And a trip to the hospital without insurance will set you back financially. Linda Dugan Insurance, serving the residents of Oregon and Washington, takes you through the various Medicare health plans you can consider.

Health Maintenance Organizations (HMOs)

An HMO plan limits coverage to in-network medical facilities. That means you'll be given a list of certain hospitals or clinics to visit when you need medical care. If you wish, you can visit other medical facilities outside the list, but that won't be covered under this plan.

Preferred Provider Organization (PPO)

This plan has more flexibility where you can get medical services from in-network and out-of-network providers. You have the freedom to choose the medical facility you want, and the expenses will still be covered.

Private Fee-for-Service (PFFS)

This plan lets you get additional services such as vision care and dental. Certain plans can also cover medication. In PFFS, you can choose your own specialists and doctors, making it an appealing plan.

Special Needs Plans (SNPs)

This plan is for people with particular healthcare needs, such as chronic conditions. It covers hospital stays, doctor's visits, or any other service you may need to manage the condition. One of the most significant advantages of this plan is that you can get extra services depending on your healthcare needs. This could be a care management specialist, an allowance for additional days in the hospital, and other social services.

If you reside in Astoria, OR, and are ready to get Medicare Insurance, contact Linda Dugan Insurance. Our agents, also serving Oregon and Washington, will break down these plans for you and help you choose the right one based on your needs.