Thousands of beneficiaries have enrolled in Oregon Medicare Plans. Oregon Medicare beneficiaries have the option to enroll in a Medicare Supplement plan or a Medicare Advantage plan. Beneficiaries who choose a Medicare Supplement plan, or Medigap for short, will also need an Oregon Part D plan.
Each type of plan is structured very differently. Therefore, before applying for a Medicare plan in Oregon, you’ll need to do extensive research on each type of plan to make sure you choose the right type of plan for you.
Medicare Supplemental Plans Oregon
Oregon Medigap plans help to pay for things that Medicare does not cover. This includes your deductibles for hospital and outpatient. Oregon Medigap plans also pay the 20% of your outpatient visits that Medicare does not pay.
Medigap plans in Oregon cover all the same Medicare Part A and B benefits that Medigap plans in other states cover. Most Oregon Medigap plans will pay for your room and board during an in-patient hospital stay, skilled nursing facility needs, blood transfusions, and hospice.
On an outpatient basis, Oregon Medigap plans include coverage for doctor visits, lab work, durable medical equipment, surgeries, and much more.
To be eligible for Oregon Medicare Supplement insurance, you must first enroll in Medicare Parts A and B. Most people purchase their Medicare supplement in their home state, but your coverage will be nationwide.
Comparing Oregon Medicare Supplements is very easy to do here at Boomer Benefits. We use our software to run a quote of all the Oregon Medicare supplement plans in your area. The report will show us not only who has the best price now, but also which companies have a history of the lowest rate increases.
You can request your free rate comparison using the contact form on the right or calling us at 1-855-732-9055.
Medigap Open Enrollment Period
Residents can enroll in an Oregon Medicare supplement during their open enrollment period without health questions. This period for Medigap begins on your Part B effective date and runs for 6 months. Because there is no medical underwriting during this period, it is considered the best time to buy an Oregon Medicare supplement.
After that window expires, changing your Oregon Medicare supplement will usually require you to answer health questions. However, Oregon has a special birthday rule that you can also exercise once per year IF you already have a Medicare supplement and wish to switch to another supplement of equal or lesser benefit.
Oregon Medicare Supplements Birthday Rule
People with Oregon Medigap plans can change their Medicare supplement once per year during their birthday month. The enrollment period begins 30 days before the Medicare beneficiary’s birthday and lasts for 30 days after his or her birthday. There is no underwriting. You will not answer any health questions.
Known as the birthday rule, this Oregon enrollment window is modeled after a similar rule in California. The rule is designed to keep seniors from being trapped into a Medicare supplement that has high rate increases. Legislators hope that competition between insurance plans will help to keep rates down overall.
To take advantage of the birthday rule, you must already be enrolled in a standard Oregon Medigap plan. You must be switching into the same policy or one with lesser benefits than your current policy. So, for example, if you have Oregon Medicare Supplement Plan G, you could switch to another Plan G or Plan N, but not a Plan F.
You cannot use the birthday rule to get an Oregon Medicare supplement for the first time. Likewise, you cannot use the rule to switch into it from a Medicare Advantage plan.
Medicare Part D in Oregon
Medicare Part D is how Medicare beneficiaries get their prescription drug coverage. If you choose Medigap to supplement your Original Medicare, you will need Part D as well. You can choose from more than 20 Part D drug plans offered in Oregon.
However, if you choose a Medicare Advantage plan instead of a Medigap plan, then you may be able to skip Part D since most Medicare Advantage plans have a Part D plan included.
Oregon Medicare Advantage Plans
Oregon Medicare Advantage plans are much different than Oregon Medigap plans. With Medigap, you aren’t subject to any networks, while with Medicare Advantage plans, you must use their in-network doctors and hospitals to get the best coverage.
Also, Medigap plans offer more comprehensive coverage for a higher premium upfront, while Medicare Advantage plans have cost-sharing expenses you pay as you use your plan, but for a lower monthly premium. Again, do research before choosing which type of plan is right for you.
Common Questions About Oregon Medicare:
Here are common questions our team gets about Medicare Supplements in Oregon.
Yes. As long as you see doctors or go to hospitals that accept Original Medicare, then you can use your Medicare Supplement in any state.
You can apply to change your Medicare Supplement plan at anytime throughout that year. However, there are specific times in Oregon when you can do so without having to answer health questions, such as during your birthday month.
No. Medicare Supplement benefits don’t vary by carrier. For example, Plan G through Carrier 1 has the same benefits as Plan G through Carrier 2. However, the rates, average rate increases, and financial ratings do vary.
Oregon Medicare Plans – Resources and Programs
Medicare is a federal program. You can contact Medicare at 1-800-MEDICARE. To enroll in Medicare, you will contact the Social Security office at 1-800-772-1213.
The Department of Human Services in Oregon also provides helpful information about Medicare Savings Programs for people with low incomes. If you qualify for a program, you’ll get help with paying for your Medicare costs.
Once you enroll in Medicare, it will be time to choose your Oregon Medicare supplemental coverage. Many well-known insurance companies offer Medigap plans in Oregon. Each company charges its own rates.
Our agency can provide free quotes for these Oregon Medicare supplements and for Oregon Medicare Part D plans too. You will not pay anything for this service. Call us at the toll-free number 1-855-732-9055, or you can use this link to request help online: