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A Guide to Medicare Supplements in Oregon for 2022


Like most states, the Medicare Supplement plans in Oregon are standardized. No matter which carrier you choose, each plan will have the same benefits across the board. The only difference between carriers is the premium price, the company’s rating, and additional perks.

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Medicare Supplement plans in Oregon are identified by a letter, A through N. In total, there are ten Medicare Supplement (Medigap) plans and two high deductible versions available to Medicare beneficiaries. Each of the 12 plans is available to beneficiaries in Oregon. However, not every beneficiary will be eligible for each plan.

Keep in mind not every carrier offers every Medigap. So, it is essential to compare policies to ensure you are receiving the best plan at the lowest cost.

Enrolling in an Oregon Medigap Plan

Original Medicare does not cover everything. The two parts, Medicare Part A (inpatient/hospital insurance) and Part B (medical insurance), only cover 80% after beneficiaries meet the deductible. Medigap plans bridge the gap Original Medicare leaves, providing full coverage.

Enrolling in Medicare Supplement plans in Oregon is simple. Once you have Medicare Part A and Part B, you are eligible for a Medigap plan. When it comes to Medicare Supplement plans, there is no specific timeframe in which you must apply. However, if you enroll outside of your Open Enrollment Period, you may be subject to underwriting health questions.

When you first enroll in Medicare Part B, you get a six-month Medicare Supplement Open Enrollment Period. During this time you can enroll while bypassing medical underwriting. This window is the best time for Oregonians to enroll in Medigap coverage because carriers cannot deny coverage due to pre-existing conditions.

If you delay Medicare Supplement enrollment because of creditable coverage secondary to Medicare Part B, you will be eligible for a Special Enrollment Period. This enrollment period will grant you guaranteed issue rights to enroll in a Medicare Supplement plan with no underwriting health questions.

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Oregon Medigap Birthday Rule

When you enroll in Medicare Supplement plans in Oregon, you receive a unique enrollment timeframe each year beginning on your birthday. The Oregon birthday rule allows Medigap policyholders 31 days to change their Medicare Supplement. During this time,  you do not need to answer underwriting health questions. Additionally, pre-existing conditions do not play a role in your admittance to a Medigap plan.

Medigap policyholders can enroll in a new plan offering equal or lesser benefits when using the birthday rule. For example, if you have a Medicare Supplement Plan G policy with Cigna and wish to change to a Medigap Plan G or Medicare Supplement Plan N with Humana, you can do so during this time. Remember that you cannot switch to a plan with more benefits.

The Oregon birthday rule begins on your birthday each year. The birthday tule provides an open enrollment opportunity for the following 30 days. When your birthday rolls around, you must have an active Medicare Supplement policy to utilize the rule. Those with Medicare Advantage coverage will need to go through underwriting when applying for Medigap if they do not qualify for guaranteed issue rights.

Oregon Medigap Plan Birthday Rule
Oregon Medigap plans are all subject to the state’s birthday rule.

Medicare Supplement Plans in Oregon Under 65

In Oregon, those under 65 with Medicare due to disability can enroll in a Medicare Supplement plan. Oregon state law requires carriers to offer a minimum of one Medigap plan option to Medicare beneficiaries under 65. If you are disabled, you have a six-month window after enrolling in Medicare Part B to elect Medigap plan coverage.

Often, beneficiaries under 65 find that premium costs are inflated for those on disability, and a Medicare Advantage plan may better fit their budget. Because of this, when you turn 65, you will receive a second Open Enrollment Period to elect a Medicare Supplement plan at standard pricing. This ensures everyone on Medicare has an equal opportunity to enroll in a Medicare Supplement plan.

Best Medicare Supplement Plans in Oregon

Choosing the best Medicare Supplement plan in Oregon for you depends on several factors. These factors include your medical needs, budget, and age when you enroll. The plan that works for you may not work for your neighbor or spouse and vice-versa.

Medigap Plan N may be your best option if you only visit the doctor a few times a year and seek coverage with a low monthly premium, no doctor or hospital restrictions, and low copays.

On the other hand, suppose you frequent the hospital, are looking for a plan that pays most of your medical costs, and do not mind a higher premium. The best plan for you would be Medicare Supplement Plan G or Medicare Supplement Plan F, depending on when you became Medicare-eligible.

There is no one-size-fits-all Medicare Supplement. A licensed agent can review your needs and assist in finding the best plan for you.

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Cost of Medicare Supplement Plans in Oregon

Some states require carriers to use a single pricing method for all Medigap policies. Oregon is not one of those states.

In Oregon, most companies offering Medicare Supplement plans use an attained-age rating method for their monthly premiums. Thus, your premium can increase progressively each year around your birthday based on your age.

In Oregon, monthly premium costs vary due to factors that influence rates. For example, a Medigap Plan N in Beaverton will provide identical coverage to a Medigap Plan N in Portland, but the average premium in Portland could be $50 more each month. Standardizing plans means equal coverage but not equal cost.

Additional Medicare Coverage Options in Oregon

Medicare Supplement plans in Oregon are just one coverage option available to Medicare beneficiaries. If you need prescription drug coverage alongside your Original Medicare and Medigap coverage, Medicare Part D plans offer various plans to beneficiaries in Oregon.

Those searching for a Medicare all-in-one plan instead of Medigap should consider a Medicare Advantage plan. These policies are available in Oregon, offering the benefits of Medicare Part A and Part B, bundled with extras like dental, vision, hearing, and prescription drug coverage. Medicare Advantage plans have differing maximum-out-of-pocket costs and cannot pair with Medigap plans.

Oregon offers bundled dental, vision, and hearing plans and cancer, heart attack, and stroke plans along with the above Medicare coverage options. Dental, vision, and hearing plans are guaranteed issue plans for beneficiaries needing coverage for these services. Like prescription drug coverage, Original Medicare and Medigap do not offer dental, vision, or hearing coverage, so it is wise to purchase ancillary policies.

Cancer, heart attack, and stroke plans, on the other hand, require minimal health underwriting for admittance. These plans pay out a lump sum benefit for cancer, heart attack, or stroke diagnoses.

How to Apply for Medicare Supplement Plans in Oregon

Medigap applications are simple, and we can help you over the phone. A Medigap agent in Oregon is not necessary for access to the best policies in your county. Our services are free, we work with clients nationwide, and our agents are available to answer your questions.

We represent the best Medigap companies, making it easy for us to find you the best plan. If you are looking for more information on Medicare Supplement plans in Oregon, call us today at the phone number above. If you are not ready to call yet, please fill out an online rate form.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement, Oregon DFR. Accessed May 2022.
    https://dfr.oregon.gov/rates-forms/health/Pages/medicare-supplement.aspx
  2. Oregon Guide to Medicare Insurance, DSHOHA. Accessed May 2022.
    https://sharedsystems.dhsoha.state.or.us/DHSForms/Served/se3886.pdf
  3. New Birthday Rule, Oregon.gov. Accessed May 2022.
    https://shiba.oregon.gov/Documents/NEW-birthday-rule-web.pdf

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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