Medicare Supplement Insurance in Oregon

Medicare Supplement Insurance (also called Medigap) helps senior and disabled Oregon residents pay for certain Medicare co-payments, deductibles, and other costs. Insurance companies can offer state residents up to 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available Medicare Supplement plans in Oregon for any beneficiaries who become eligible for Medicare on or after January 1, 2020.

OR Medigap Enrollment Statistics  

The chart below shows the most popular Medicare Supplement plans in Oregon.¹

Medicare Supplement Insurance Pricing Methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all Medigap policyholders.

Under-65 Enrollment Rules

Although Medicare Supplement Insurance is primarily for senior citizens, it’s also available to disabled people and those with end-stage renal disease (ESRD) in some states. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

Insurance companies in Oregon must make all of their Medigap policies available to those under 65 and must charge the same rate charged to their age-65 customers.