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 without medical underwriting during your initial enrollment period. The initial enrollment period is the time you become eligible for Medicare Part B. Outide of the initial enrollment period you may apply at any time by answering medical underwriting questions.
In Oregon there are multiple companies that sell Medigap Plans and we represent the majority of them. It is important to us that we offer the best available products and value to our clients.
Medicare Supplement Insurance, also referred to as Medigap and Medsupp, is specifically designed to do just that; supplement Medicare's benefits. Medicare supplement plans are regulated by both Federal and State law. The insurance plans must be clearly identified as Medicare Supplemental insurance and it must provide specific benefits that help fill the gaps in Original Medicare coverage. There are other insurance plan types that 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 age 65 or older, people of all ages with disabilities, and people with End-Stage Renal Disease (ESRD) or Lou Gehrig's Disease (ALS). 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.
helps pay for doctor bills, outpatient hospital care and other medical services not covered by Part A.
* 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 (2023 = $1,600) during the first 60 days, and all costs except the designated copay per day 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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