Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Oregon
Connect with Medicare agents in Oregon
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Oregon
In Oregon, Medicare Advantage plans are a little more popular than Original Medicare. Of all the Oregon Medicare beneficiaries, 55% have a Medicare Advantage plan, while 45% are on Original Medicare.
Medicare Advantage plans provide Part A and Part B coverage in place of Original Medicare. The majority of Medicare Advantage plans come with prescription drug coverage, so beneficiaries typically don't need a separate Part D (prescription drug) plan. Original Medicare enrollees—or Medicare Advantage planholders who don’t have Part D included—can purchase a standalone Part D prescription plan.
Oregonians with Original Medicare can purchase Medigap plans, to reduce their out-of-pocket costs. Medigap plans, also known as Medicare Supplement plans, are named by letters A-N, and each plan of the same letter has standardized benefits, making it easy to compare options based on pricing alone.
Most Oregonians become eligible for Medicare at age 65, unless they have a condition or disability that allows them to get Medicare earlier. The Initial Enrollment Period for Medicare begins three months before the month you turn 65, includes your birth month, and continues for three months after your birth month. Those with qualifying medical coverage can delay Part B enrollment without penalty as long as they maintain that coverage. This is common among people who are still working at age 65.
How to apply for Medicare in Oregon?
Medicare eligibility in Oregon follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Oregon takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can an Oregon Medicare agent help me compare Medicare coverage?
Medicare agents in Oregon offer support to help you compare Original Medicare, Medicare Advantage, Medigap, and Part D prescription drug coverage options. Chapter's licensed Medicare agents offer free, personalized, and unbiased advice to Oregon residents looking for help choosing between their options. Contact Chapter at (855) 900-2427 for answers to your questions or to schedule a free consultation.
How does Oregon's Medigap birthday rule work?
Oregon's Medigap birthday rule provides people who already have a Medigap plan with a chance to switch to another policy with equal or lesser benefits once a year. The birthday-rule window begins 30 days before your birthday each year and ends 30 days after. During the window, you can switch plans—and insurance companies cannot deny your application or charge you more based on your health history.
What should Medicare beneficiaries in rural Oregon consider about provider networks?
Original Medicare doesn't have provider networks. If you’re on Original Medicare, you can see any doctor who accepts Medicare across the US. Medicare Advantage plans, on the other hand, use defined provider networks—and out-of-network care can cost more or not be covered at all. Oregonians should review the provider networks of available Medicare Advantage plans to see whether their preferred doctors and hospitals participate. Because rural areas often have fewer local providers, enrollees may need to travel farther than they’d like to visit in-network providers.
What does Original Medicare cover in Oregon?
Original Medicare consists of Part A and Part B coverage. Part A covers inpatient hospital care. Part B covers outpatient services like wellness visits, vaccinations, and preventive health screenings. Original Medicare doesn't cover prescriptions or most routine dental, vision, or hearing care.
