PacificSource Medicare: 2027 Medicare Advantage Plans in Oregon
Key Takeaways
- ✓The lineup shrank. PacificSource sold ten regular Medicare Advantage plans in Oregon in 2026. For 2027 it sells four.
- ✓Portland is out. PacificSource has no Medicare Advantage plan in Multnomah, Washington, or Clackamas counties for 2027.
- ✓Your 2026 plan may have a new name, or no replacement. Check the table below before you assume you’re covered.
- ✓It’s the only choice in two counties. In Deschutes and Jefferson counties, PacificSource is the only insurer selling regular Medicare Advantage plans for 2027.
- ✓Out-of-network care has real limits. These plans pay up to $3,000 a year toward elective out-of-network care, and there’s no cap on your out-of-network costs.
- ✓PacificSource isn’t leaving Medicare. It’s leaving the individual health insurance market, which is a different product.
PacificSource's 2027 Plans at a Glance
All four plans are HMO-POS plans. That means you use PacificSource’s network, with limited coverage outside it.
| Plan | Monthly premium | In-network out-of-pocket max | Medical deductible | Drug coverage | Where it’s sold |
|---|---|---|---|---|---|
| Oregon Basic | $0 | $6,250 | $0 | No | Everywhere PacificSource Medicare is sold |
| Valley Select Rx | $49 | $7,150 | $0 | Yes ($600 drug deductible) | Lane County only |
| Cascade Classic Rx | $98 | $9,850 | $385 | Yes ($700 drug deductible) | Central Oregon, the Gorge, northern Klamath County |
| Cascade Premier Rx | $198 | $7,150 | $0 | Yes ($700 drug deductible) | Central Oregon, the Gorge, northern Klamath County |
Source: CMS 2027 Medicare Advantage Landscape file and PacificSource’s 2027 Summaries of Benefits. You still pay your Part B premium with any of these plans.
Medicare’s official Plan Finder shows every plan in your ZIP code, with costs for your drugs.
Want free one-on-one help? Oregon’s SHIBA program offers free, unbiased Medicare counseling. Call 800-722-4134 or visit shiba.oregon.gov.
Where PacificSource Medicare Is Available
| Region | Counties | Cities include | Plans sold |
|---|---|---|---|
| Central Oregon | Crook, Deschutes, Jefferson | Bend, Redmond, Sisters, Prineville, Madras | Oregon Basic, Cascade Classic Rx, Cascade Premier Rx |
| Columbia Gorge | Hood River, Wasco, Sherman | Hood River, The Dalles | Oregon Basic, Cascade Classic Rx, Cascade Premier Rx |
| Northern Klamath County | ZIP codes 97731, 97733, 97737, and 97739 only | Oregon Basic, Cascade Classic Rx, Cascade Premier Rx | |
| Lane County | Lane | Eugene, Springfield, Cottage Grove, Florence | Oregon Basic, Valley Select Rx |
Two places people ask about that aren’t on the list:
- ✓Portland. PacificSource has no Medicare Advantage plans in Multnomah, Washington, or Clackamas counties for 2027.
- ✓Klamath Falls. Only the four northern Klamath County ZIP codes above are covered.
What Happened to Your 2026 Plan?
PacificSource retired the Essentials, Explorer, and MyCare names for 2027. Find your 2026 plan below.
| Your 2026 plan | Where you live | For 2027 |
|---|---|---|
| Essentials Choice 2 | Anywhere it was sold | Renamed Oregon Basic. Out-of-pocket max rises from $5,950 to $6,250. |
| Essentials Rx 6 | Central Oregon, the Gorge | Renamed Cascade Premier Rx. Premium drops from $223 to $198. Out-of-pocket max rises from $5,500 to $7,150, and the drug deductible from $99 to $700. |
| Essentials Choice Rx 36 | Lane County | Renamed Valley Select Rx. Premium rises from $28 to $49, and the out-of-pocket max from $6,500 to $7,150. |
| Essentials Choice Rx 36 | Central Oregon, the Gorge, northern Klamath County | Not on the 2027 list for these counties |
| Essentials Choice Rx 14, Essentials Rx 27 | Central Oregon, the Gorge, northern Klamath County | Not on the 2027 list |
| Essentials Rx 41, Explorer 6, Explorer Rx 4 | Lane County | Not on the 2027 list. PacificSource has no PPO plans in Oregon for 2027. |
| MyCare Rx 40, MyCare Choice 30 | Multnomah, Washington, Clackamas | Not on the 2027 list. PacificSource has no plans in these counties for 2027. |
Cascade Classic Rx is a new plan for 2027.
Medicare’s September 2026 enrollment data shows about 24,000 Oregonians in a PacificSource plan that isn’t on the 2027 list for their county. If that’s you, here’s what to do:
- 1
Read the Annual Notice of Change or letter PacificSource sent you. It tells you whether you’ve been moved into another plan or need to choose one yourself.
- 2
Compare during Open Enrollment, October 15 to December 7, 2026, so your new coverage starts January 1.
- 3
Know your extra rights. If your plan is ending and you aren’t being moved to another one, Medicare gives you a special window from December 8 through the end of February, and Oregon gives you guaranteed issue rights to buy a Medicare Supplement without health questions. Ask SHIBA at 800-722-4134 to confirm what applies to you.
In the Portland area, see Medicare Advantage plans in Oregon and the Portland guide for your 2027 choices.
What You'll Pay at the Doctor
These are 2027 in-network costs from PacificSource’s Summaries of Benefits. None of the four plans requires a referral.
| Service | Oregon Basic | Valley Select Rx | Cascade Classic Rx | Cascade Premier Rx |
|---|---|---|---|---|
| Primary care visit | $0 | $0 | $5 | $0 |
| Specialist visit | $20 | $45 | $60 | $50 |
| Hospital stay, days 1 to 5 | $450 a day | $495 a day | $485 a day | $475 a day |
| Emergency room | $130 | $130 | $115 | $130 |
| Urgent care | $50 | $50 | $40 | $50 |
On Cascade Classic Rx, the $385 medical deductible comes first for some services.
Dental, Vision, Hearing, and Other Extras
| Extra | Oregon Basic | Valley Select Rx | Cascade Classic Rx | Cascade Premier Rx |
|---|---|---|---|---|
| Dental yearly maximum | $2,500 | $1,000 | $500 | $1,000 |
| Major dental work | Covered at 50% | Covered at 50% | Not covered | Covered at 50% |
| Eyewear | $200 every year | $135 every 2 years | $145 every 2 years | $150 every 2 years |
| Over-the-counter allowance | $50 a quarter | $20 a quarter | None | $15 a quarter |
| Acupuncture, chiropractic, naturopathic visits | $10 a visit, 24 visits a year | $25 a visit, 12 visits a year | Not covered | Not covered |
| Emergency care outside the U.S. | Covered, $20,000 limit | Covered, $25,000 limit | Not covered | Covered, $25,000 limit |
All four plans include a $0 routine eye exam once a year, a $0 routine hearing exam, hearing aids through TruHearing at $599, $799, or $999 each, and a $0 fitness membership through One Pass.
Drug Coverage
Three of the four plans include Part D drug coverage.
| Drug cost | Valley Select Rx | Cascade Classic Rx | Cascade Premier Rx |
|---|---|---|---|
| Deductible (tiers 3, 4, and 5) | $600 | $700 | $700 |
| Tier 1, 30-day supply | $0 | $0 | $0 |
| Tier 2, 30-day supply | $6 | $6 | $6 |
| Tier 3 | 20% | 20% | 20% |
| Tier 4 | 29% | 26% | 26% |
| Tier 5 | 26% | 25% | 25% |
On all three, you pay nothing more for covered drugs once you’ve spent $2,400 out of pocket in the year, and covered insulin is capped at $35 a month.
Oregon Basic has no drug coverage, and you can’t add a separate Part D plan to it. It only makes sense if you already have drug coverage that’s as good as Medicare’s, such as through the VA. Otherwise you could owe a late penalty later. See Part D in Oregon.
Going Out of Network
The “POS” in HMO-POS means you can get some care outside the network. The limits are tighter than they sound.
- ✓You usually pay 50%. Most out-of-network services cost you 50% of the bill. Oregon Basic charges a $45 copay for out-of-network primary care, specialist, and physical therapy visits.
- ✓The plan stops paying at $3,000. Each plan pays up to $3,000 a year toward elective, non-emergency care from out-of-network providers.
- ✓There’s no cap on your side. The out-of-pocket maximums in the table above count in-network care only. Out of network, there’s no limit on what you could owe.
- ✓Emergencies are different. Emergency care, urgent care, and ambulance rides cost the same as in network.
Hospitals and Clinics in the Network
PacificSource’s 2027 sales brochures show these health systems and clinics, with a note that providers are subject to change.
| Region | Shown in PacificSource’s 2027 brochure |
|---|---|
| Central Oregon and the Gorge | St. Charles Health System, Adventist Health Columbia Gorge, Providence Hood River Memorial Hospital, Summit Health, Redmond Medical Clinic, High Lakes Health Care, Mosaic, OHSU Health, Legacy Health |
| Lane County | PeaceHealth, McKenzie-Willamette Medical Center, Oregon Medical Group, Slocum Center for Orthopedics, OHSU Health, Legacy Health |
Is St. Charles in network for 2027?
St. Charles appears in PacificSource’s 2027 brochure. Here’s the history that makes Central Oregon readers ask.
- ✓September 2025: PacificSource warned members that St. Charles might leave its network on January 1, 2026.
- ✓November 2025: The two reached an agreement. PacificSource said the Medicare portion covered 2026, and the commercial portion covered 2026 and 2027.
Neither has announced a Medicare agreement for 2027 beyond what the brochure shows. If St. Charles is your hospital, call PacificSource Medicare at 888-863-3637 and ask them to confirm it for 2027 before you enroll.
Is PacificSource a Good Medicare Advantage Plan?
Medicare gives PacificSource’s Oregon plans 3 out of 5 stars for 2027. That’s down from 3.5 stars in 2026, and below the 3.99 national average.
| Rating | 2026 | 2027 |
|---|---|---|
| Overall | 3.5 | 3 |
| Health plan | 3.5 | 3 |
| Drug plan | 3.5 | 3 |
Source: CMS Star Ratings for contract H3864, which also includes PacificSource’s Idaho plans. 2027 ratings were released October 8, 2026.
Is PacificSource Leaving Oregon?
No. PacificSource is leaving one line of business, and it isn’t Medicare.
| Line of business | 2027 status |
|---|---|
| Individual and family plans (the kind bought through the Marketplace) | Ending. PacificSource is leaving the individual market at the end of 2026. |
| Medicare Advantage in Oregon | Continuing, with four plans and no Portland-area plans |
| Montana | PacificSource says it’s leaving Montana across its individual, family, and employer plans |
PacificSource announced the changes in 2026, citing growing pressures across the healthcare industry. Oregon’s Division of Financial Regulation confirmed in June 2026 that PacificSource and Providence would both leave Oregon’s individual market at the end of the year.
Had a PacificSource individual plan? See the Oregon Marketplace for your 2027 options.
How PacificSource Compares Where You Live
| County | Medicare Advantage plans for 2027 | Insurers |
|---|---|---|
| Deschutes | 3 | PacificSource only |
| Jefferson | 3 | PacificSource only |
| Crook | 6 | PacificSource and Devoted Health |
| Wasco | 7 | PacificSource, Devoted Health, Humana |
| Sherman | 11 | PacificSource, Devoted Health, Humana |
| Hood River | 14 | PacificSource, Devoted Health, Humana, UnitedHealthcare |
| Lane | 26 | 7, including PacificSource |
Source: CMS 2027 Medicare Advantage Landscape file. Counts are plans open to anyone with Medicare.
See every insurer on Oregon Medicare carriers.
Questions to Ask Before You Choose PacificSource
- 1
Is my ZIP code in the service area? This matters most in Klamath County.
- 2
Are my doctors and hospital in the 2027 network? Ask the doctor’s office too.
- 3
Do I ever get care outside Oregon or outside the network? Remember the 50% cost and the $3,000 yearly limit.
- 4
Are my prescriptions on the 2027 drug list? The $600 or $700 deductible applies to tiers 3, 4, and 5.
- 5
Would Original Medicare with a Supplement fit me better? In a county with one Medicare Advantage insurer, it’s the main alternative.
FAQs
What Medicare Advantage plans does PacificSource offer in 2027?
Four HMO-POS plans in Oregon: Oregon Basic, Valley Select Rx, Cascade Classic Rx, and Cascade Premier Rx. Monthly premiums run from $0 to $198.
Is PacificSource leaving Oregon?
No. PacificSource is leaving the individual health insurance market at the end of 2026. Its Medicare Advantage plans continue in Central Oregon, the Columbia Gorge, northern Klamath County, and Lane County.
Is PacificSource Medicare available in Portland?
Not for 2027. PacificSource has no Medicare Advantage plans in Multnomah, Washington, or Clackamas counties. Its two 2026 Portland-area plans, MyCare Rx 40 and MyCare Choice 30, aren't on the 2027 list.
What happened to my PacificSource Essentials plan?
The Essentials name is gone for 2027. Essentials Choice 2 is now Oregon Basic, Essentials Rx 6 is now Cascade Premier Rx, and in Lane County, Essentials Choice Rx 36 is now Valley Select Rx. Other Essentials plans aren't on the 2027 list.
Is St. Charles in PacificSource Medicare's network for 2027?
St. Charles Health System is shown in PacificSource's 2027 brochure, which notes that providers are subject to change. The last announced Medicare agreement between the two covered 2026, so confirm with PacificSource before you enroll.
Does PacificSource have a $0 premium Medicare plan?
Yes. Oregon Basic has a $0 premium for 2027. It doesn't include drug coverage, and you can't pair it with a separate Part D plan.
Is PacificSource Medicare available in Klamath Falls?
No. In Klamath County, PacificSource Medicare covers only ZIP codes 97731, 97733, 97737, and 97739.
What is PacificSource Medicare's star rating?
3 out of 5 stars overall for 2027, down from 3.5 in 2026. The national average for 2027 is 3.99.
Can I see doctors outside PacificSource's network?
Yes, with limits. You usually pay 50% of the cost, the plan pays up to $3,000 a year toward elective out-of-network care, and there's no cap on your out-of-network costs. Emergencies and urgent care are covered at in-network cost.
Is PacificSource the only Medicare Advantage option in Bend?
For regular Medicare Advantage plans in 2027, yes. PacificSource is the only insurer selling them in Deschutes County, with three plans.
Medicare’s official Plan Finder shows every plan in your ZIP code, with costs for your drugs.
Want free one-on-one help? Oregon’s SHIBA program offers free, unbiased Medicare counseling. Call 800-722-4134 or visit shiba.oregon.gov.
How We Got These Numbers
Premiums, out-of-pocket maximums, drug deductibles, counties, and plan counts come from the CMS 2026 and 2027 Medicare Advantage Landscape files. Copays, extras, ZIP codes, and out-of-network rules come from PacificSource’s 2027 Summaries of Benefits. Plan name changes come from PacificSource’s 2027 Annual Notices of Change. Enrollment comes from CMS’s September 2026 enrollment files. Star ratings come from the CMS 2027 Star Ratings released October 8, 2026. Networks can change, so confirm with the plan before you enroll.
- CMS, 2027 Medicare Advantage and Part D Landscape file
- CMS, 2026 Medicare Advantage and Part D Landscape file
- CMS, Monthly enrollment by contract, plan, state, and county, September 2026
- CMS, 2027 Star Ratings data tables
- CMS, 2026 Star Ratings data tables
- CMS, 2027 Star Ratings fact sheet
- PacificSource Medicare, Oregon Basic 2027 plan page
- PacificSource Medicare, Valley Select Rx 2027 plan page
- PacificSource Medicare, Cascade Classic Rx 2027 plan page
- PacificSource Medicare, Cascade Premier Rx 2027 plan page
- PacificSource, company update (July 21, 2026)
- PacificSource, Continued access to care through St. Charles Health System (November 19, 2025)
- St. Charles Health System, agreement to remain in network with PacificSource (November 13, 2025)
- The Bulletin, PacificSource and St. Charles broker deal (November 13, 2025)
- Oregon DFR, Reinsurance program and 2027 individual market (June 8, 2026)
- CMS, 2027 enrollment guidance (special enrollment for non-renewed plans)
- Oregon Administrative Rule 836-052-0142, Guaranteed Issue for Eligible Persons
- Medicare.gov, Avoid late enrollment penalties
