What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan that includes Parts A, B, and usually D, plus additional benefits. Medicare Supplement (Medigap) works with Original Medicare to fill coverage gaps and provide predictable out-of-pocket costs.

How much does it cost to work with a Medicare broker?

There is no cost to you for working with an independent Medicare broker. Brokers are compensated by insurance companies, not by clients.

When can I enroll in Medicare?

You can enroll in Medicare during your Initial Enrollment Period (3 months before to 3 months after your 65th birthday), during the Annual Enrollment Period (October 15 - December 7), or during Special Enrollment Periods if you qualify.

What is Medicare Open Enrollment Period (OEP)?

Medicare Open Enrollment Period (OEP) runs from January 1 to March 31. It allows people with Medicare Advantage or Part D plans to switch coverage. Changes made during OEP take effect the first of the month after your request.

What is the difference between AEP and OEP?

Annual Enrollment Period (AEP) runs October 15 - December 7 and is for all Medicare beneficiaries to make changes. Open Enrollment Period (OEP) runs January 1 - March 31 and is only for those with Medicare Advantage or Part D plans who want to switch coverage.

Where can I compare Humana Medicare Advantage plans in Vancouver WA?

An independent Medicare broker can help you compare Humana Medicare Advantage plans alongside other carriers in Vancouver, WA and Clark County. American Senior Choices offers free consultations to review Humana plans and other options that may fit your needs and doctors.

Where can I compare UnitedHealthcare Medicare plans in Vancouver WA?

Independent Medicare brokers help you compare UnitedHealthcare (UHC) and AARP Medicare Advantage plans in Vancouver, WA. American Senior Choices compares UHC plans with other carriers at no cost to you.

What Medicare carriers are available in Clark County WA?

Clark County, WA has Medicare Advantage plans from multiple carriers including Humana and UnitedHealthcare. An independent broker can compare plans from these and other carriers to find options that work with your doctors and budget.

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The "Cross-River" Medicare Guide: Moving from OR to WA

Every year, thousands of seniors from North Portland and the wider Oregon area relocate to Vancouver and Clark County. While the physical move is just across the bridge, the Medicare and tax implications are significant.

Plan Your Move with Tim Call: (360) 472-4261

Why Seniors Move to Vancouver, WA

💰 No State Income Tax

Unlike Oregon, Washington has no state income tax. For many seniors, this means keeping a larger portion of their pension and retirement distributions.

🏥 Plan Availability

Clark County often has different Medicare Advantage and Medigap pricing than Multnomah County. Moving across the river is a "qualifying event" that lets you choose a new plan immediately.

The Medicare "Crossover" Checklist

When you move from Oregon to Washington, your Medicare plan does notautomatically follow you. You are in a different service area, which means you must notify Medicare and your insurance carrier.

Update Your Address

Notify Social Security of your new Vancouver address immediately. This triggers your Special Enrollment Period (SEP).

The 60-Day Window

You generally have 60 days from the date you move to select a new Medicare Advantage or Part D plan available in Clark County.

Provider Network Check

Can you still see your doctors in Portland? Most major plans in Clark County include "cross-border" networks that cover OHSC and Legacy Portland.

Plan Price Comparison

Clark County plans may have lower (or higher) premiums than your Oregon plan. Let Tim run a comparison for your new ZIP code.

Can I keep my Portland doctors?

This is the #1 concern for seniors moving from North Portland. Many enrollees have been with their specialists at OHSU or Providence Portland for decades.

"The good news is that many Clark County plans are specifically designed with cross-river networks. I can show you exactly which plans will allow you to continue seeing your Portland providers without interruption." — Timothy Jones

Moving Soon? Get Your Free Cross-River Review

Don't let your Medicare coverage be an afterthought in your move. Secure your healthcare and take advantage of the Washington tax benefits today.

Schedule My Review Clark County Resource Hub

Disclaimer: This guide provides general information regarding taxes and Medicare. American Senior Choices is not a tax advisory firm. Consult with a qualified tax professional regarding your specific situation. Medicare plans and networks are subject to change. American Senior Choices is an independent brokerage not affiliated with the government.