Portland, Beaverton, Hillsboro, Forest Grove, Tualatin, Lake Oswego, Gresham, Salem, Eugene, Medford, Grants Pass, Klamath Falls it is important that you find the medicare coverage that fits your life and your lifestyle.
We feel that the best care is received when you have your choice of Doctors, and you and your Doctor make your medical decisions.
Medigap plans in Oregon are available with no medical underwriting during your initial enrollment period. This is when you become eligible for Medicare Part B. You may however, apply to a company and fill out the medical underwriting questions at any time.
In Oregon there are a lot of companies that sell Medigap Plans and we represent many of them. It's important to us that we can offer the best value to our clients.
(Medigap or MedSup) is specifically designed to supplement Medicare's benefits and is regulated by federal and state law, It must be clearly identified as Medicare Supplemental Insurance and it must provide specific benefits that help fill the gaps in your Medicare coverage. Other kinds of insurance may help you with out-of-pocket health care costs but they do not qualify as Medigap plans.Learn more
Medicare is a national health insurance program for people 65 years of age and older, certain younger disabled people and people with permanent kidney failure. Medicare is run by the Centers for Medicare & Medicaid Services. The Social Security Administration helps CMS by enrolling people in Medicare and by collecting Medicare premiums. Medicare is divided into two parts:
helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.
* Part B annual increases are based on Part B medical cost increases and are related to income levels.
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2018 = $1,340) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
Either you are automatically enrolled or you must apply. If you are getting Social Security or Railroad Retirement Board benefits before you turn 65, you are automatically enrolled and your Medicare card will be mailed to you about three months before your 65th birthday.
If you are not receiving retirement benefits, you must apply by contacting a Social Security Administration office or, if appropriate, the Railroad Retirement Board. You should apply three months before your 65th birthday to avoid a possible delay in the start of your coverage. If you have been a disabled beneficiary under Social Security or Railroad Retirement for 24 months, you will automatically get a Medicare card in the mail.
Additional Medigap Information
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