Medicare Part D Oregon: Your Guide to Drug Plans in 2025
Finding the perfect Medicare Part D plan in Oregon can be a tough slog. You've got premiums, deductibles, and formularies to sort through, but don't worry, we've got your back. With 21 Medicare Part D Oregon plans available in 2025, we'll help you narrow it down to the one that fits your health needs and budget.
We'll walk you through everything you need to know so you can make a confident, informed decision about your Medicare Part D Oregon coverage options.
Medicare Part D Oregon: The Complete List
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Basic from UHC | $39.70 | $545 | Basic | Yes | No | |
AARP Medicare Rx Preferred from UHC | $98.40 | $0 | Enhanced | No | No | |
AARP Medicare Rx Walgreens from UHC | $48.80 | $410 | Enhanced | No | Yes | |
Asuris Medicare Script Basic | $111.50 | $540 | Basic | No | No | |
Asuris Medicare Script Enhanced | $127.00 | $0 | Enhanced | No | Yes | |
Cigna Extra Rx | $65.20 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $14.20 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $39.90 | $545 | Basic | Yes | No | |
Clear Spring Health Value Rx | $23.20 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $45.40 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $104.80 | $200 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $35.20 | $545 | Enhanced | No | Yes | |
Mutual of Omaha Rx Essential | $23.00 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $105.50 | $545 | Basic | No | No | |
Mutual of Omaha Rx Premier | $83.00 | $349 | Enhanced | No | No | |
SilverScript Choice | $44.10 | $545 | Basic | No | No | |
SilverScript Plus | $89.40 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $3.30 | $280 | Enhanced | No | No | |
Wellcare Classic | $40.80 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $78.90 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.00 | $545 | Enhanced | No | No |
Understanding Medicare Part D Oregon
First, let's simplify what Medicare Part D is and why it's so important, particularly here in Oregon. Simply put, Medicare Part D is designed to help cover the cost of prescription drugs. Private insurance companies run it, which is a key difference from Original Medicare (Parts A and B).
This year, the average deductible in Oregon for Medicare Part D is $387, but 3 plans offer a $0 deductible, which could translate into significant savings for you. It all depends on your prescriptions.
A Closer Look at How Medicare Part D Plans Work
Every Medicare Part D plan covers a wide array of medications through a list known as a formulary. A formulary is essentially a catalog of all the drugs that a particular plan covers. Since formularies can vary from plan to plan, it’s important to review yours to ensure it includes the prescriptions you rely on.
Each formulary is also divided into different "tiers," which categorize medications by cost. Typically, drugs in lower tiers come with lower copayments, while those in higher tiers will have higher out-of-pocket expenses.
For instance, Tier 1 might include generic drugs with the lowest copayments, while Tier 2 could feature preferred brand-name medications at a slightly higher cost. Tiers 3, 4, and 5 usually encompass specialty drugs that come with even steeper price points.
What you pay out-of-pocket costs can fluctuate based on several factors, including the plan you select, the tier your medications fall under, and which phase of coverage you’re in—such as the deductible phase or initial coverage phase.
How to Choose the Right Medicare Part D Oregon Plan
Choosing the right Medicare Part D Oregon plan requires a thorough review of several important factors. This helps ensure that your plan offers the coverage you need while keeping your out-of-pocket costs in check.
Monthly Premium
The monthly premium is what you pay each month to keep your Medicare Part D plan active, similar to a subscription. While it may be tempting to choose the plan with the lowest premium, it’s crucial to also consider deductibles, copayments, and the extent of coverage.
Lower premiums often come with higher deductibles or more limited coverage, so it's important to find a plan that balances affordable premiums with the coverage you need, helping you avoid surprises later on.
Annual Deductible
The annual deductible is the amount you must pay out of pocket for your prescriptions before your Medicare Part D plan starts contributing.
If you take regular medications, selecting a plan with a lower deductible can save you money over time. However, if you rarely need prescriptions, a higher deductible plan could be more economical.
Drug Formulary
Carefully check the plan’s formulary (list of covered medications) to make sure the drugs you take are on it. Since plans often change their formularies throughout the year, it’s a good practice to review it during the Annual Enrollment Period to confirm your medications are still covered.
Pay special attention to your drug’s tier placement because this directly impacts how much you'll have to pay.
Pharmacy Network
Most plans have preferred pharmacy networks offering reduced medication prices, potentially saving you significant money. Check that the pharmacies you prefer are in the plan’s network and explore if mail-order pharmacy services are an option. This can be particularly beneficial for maintenance medications.
How Oregon Part D Plans Work with Other Parts of Medicare
Medicare Part D provides prescription drug coverage, but you may wonder, "How does this fit with my other Medicare benefits?" Let's break it down for you:
Original Medicare
If you have Original Medicare, Part A covers your hospital stays, and Part B covers doctor visits and other medical services. This includes any medications your doctor administers in the office. Part D then steps in to help pay for the prescription medications you take at home. This way, you have comprehensive coverage.
Medicare Supplements
Medicare Supplements, sometimes called Medigap, help pay some of your healthcare costs that Original Medicare doesn't cover. This can be things like copays, coinsurance, and deductibles. But they don't cover everything.
For instance, Medicare Supplements don't cover prescription drugs. You'll need a stand-alone Part D plan if you want prescription coverage.
Having a Medicare Supplement plan and a Part D plan can save you a lot of money if you need a lot of medications. Although you have to pay a monthly premium for both, it can be worth it for the peace of mind. This way, you know you have good coverage for both medical and drug costs.
Medicare Advantage Plans
If you have a Medicare Advantage plan, also known as Part C, Part D works a little differently. Most Medicare Advantage plans include prescription drug coverage, which means your medical and drug coverage are combined under one plan.
However, some Medicare Advantage plans don’t include drug coverage, allowing you to pair the plan with a separate Part D plan.
Whether you choose Original Medicare with a standalone Part D plan or opt for a Medicare Advantage plan with built-in drug coverage, the key is to find the best fit for your needs. Consider your current prescriptions and budget to help guide your decision, ensuring you have the right coverage for your health.
Add These Medicare Part D Enrollment Dates to Your Calendar
Medicare has designated periods when you can enroll in or update your coverage. Here are the key dates you should know:
The Initial Enrollment Period (IEP) is a seven-month window starts three months before the month of your 65th birthday. It's your first opportunity to sign up for Medicare Part D and avoid any potential late enrollment penalties.
The Annual Enrollment Period (AEP): From October 15th to December 7th each year, you can make changes to your Medicare coverage. This period is ideal for reviewing your current plan and making adjustments based on any changes in your healthcare needs.
The Medicare Advantage Open Enrollment Period occurs every year from January 1st to March 31st for those enrolled in a Medicare Advantage plan. During this time, you can switch to a different Medicare Advantage plan or return to Original Medicare.
To stay informed, don't forget to bookmark our Medicare Enrollment Periods Guide.
Getting Assistance With Medicare Part D Oregon Enrollment
Navigating and comparing Medicare Part D California plans can be overwhelming at times, but help is just a phone call away. Our team of experienced, licensed insurance agents is here to assist you by phone at 1-877-388-0596, available Monday through Sunday from 8 a.m. to 11 p.m. Eastern Standard Time.
We’re ready to answer your questions, compare plans, and guide you through the enrollment process step by step.
Plans Offered Through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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