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Medicare Supplement Insurance Plans in Oregon

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Original Medicare (Part A and Part B) coverage does not cover all medical or hospital costs. There is usually a gap between what is covered by Original Medicare and what the beneficiary is expected to pay out of pocket (also known as your cost sharing). Medicare beneficiaries in Oregon, as in the rest of the country, have the option to enroll in a Medicare Supplement insurance plan to get help paying for some of these expenses.

Medicare Supplement (Medigap) insurance may help with costs like copayments, coinsurance, or deductibles for Medicare Part A and Part B. In addition, Medigap plans may cover benefits like foreign emergency health coverage or Medicare Part B excess charges.

In most states, including Oregon, there are 10 standardized Medigap plans, each of them labeled with the letters A through N. Each plan of the same letter category offers the same benefits, no matter where it is purchased. However, premium costs may vary by insurance company and location.

Keep in mind that Medicare Supplement coverage is meant to work alongside your Original Medicare coverage. You’ll need to remain enrolled in Original Medicare, Part A and Part B, for your hospital and medical coverage. In addition, these plans can only be used to pay for certain Original Medicare costs; they can’t be used to pay for Medicare Part C expenses.

Enrolling in Medicare Supplement insurance plans in Oregon

You’re eligible for Medicare Supplement insurance if you are enrolled in Medicare Part A and Part B. In Oregon, you may have Medigap coverage options if you have Medicare and are under 65 years old. As of the time of publication of this article, insurance companies that sell Medigap insurance in Oregon must sell at least one plan option to beneficiaries under 65 (for example, people who qualify for Medicare because of disability or certain conditions).

If you want the most options available to you, the best time to enroll in a Medicare Supplement insurance plan is during your Medigap Open Enrollment Period (OEP), which is the six-month period beginning on the first day of the month that you are 65 or older and enrolled in Medicare Part B. During this six-month period, you may enroll in any Medicare Supplement insurance plan in Oregon offered in your service area. No insurance company can deny you coverage during this time or charge higher premiums because of health problems.

After your Medigap Open Enrollment Period has ended, you can still enroll in a Medicare Supplement insurance plan in Oregon, but you could be subject to a medical underwriting review, and insurance companies are allowed to charge higher premiums if you have pre-existing conditions*. You could also be denied coverage entirely because of health issues.

Comparing Medicare Supplement insurance plans in Oregon

As mentioned, because Medigap plans are standardized across each plan type, you’ll get the same benefits for plans of the same letter type, no matter which insurance company you purchase from. However, because premium costs can still vary, it’s worth it to research available plan options in your location to find coverage at the best value.

Do you need help finding Medicare Supplement coverage that may fit your situation and budget? If you like, you can contact eHealth to get personalized assistance from a licensed insurance agent.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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