Oregon Medigap plans (also called Medicare Supplement plans) cover the gaps in Original Medicare, including deductibles, copays, and coinsurance that would otherwise come out of your pocket. This comprehensive Oregon Medigap guide covers available plans, average premiums, top carriers, the birthday rule, guaranteed issue rights, and how to choose between Plan G, Plan N, and other options. Whether you are approaching your initial Medigap Open Enrollment or considering a plan switch, understanding Oregon Medigap rules helps you make a confident decision.
All information verified against CMS data and state sources as of April 2026.
In This Oregon Medigap Guide:
Medigap Plans Available in Oregon
Standardized plans: A, B, C, D, F, G, K, L, M, N
Every Medigap plan with the same letter provides identical benefits regardless of which carrier sells it. Plan G from one company covers the exact same medical costs as Plan G from another company. The only difference is the premium and the customer service experience. This standardization makes comparison shopping straightforward.
Plan F: Still available in Oregon for beneficiaries who became eligible for Medicare before January 1, 2020. Plan F covers all gaps including the Part B deductible. New enrollees after 2020 cannot purchase Plan F.
High-Deductible Plan G: Available in Oregon. You pay a higher annual deductible before benefits kick in, but monthly premiums are significantly lower than standard Plan G.
Oregon Medigap Rates: Plan G & Plan N
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $224/mo | Varies | Varies |
| Plan N | $165/mo | Varies | Varies |
These are approximate averages. Your actual premium depends on your carrier, zip code, age, gender, and tobacco use. Always compare quotes from at least three carriers before choosing.
How Oregon Medigap Pricing Works
Oregon uses attained-age-rated Medigap pricing. Your premium increases as you age. This means your Medigap costs will rise over time, making it especially important to compare rates annually and switch carriers during open enrollment windows if available.
Household discount: Many Medigap carriers in Oregon offer 5-12% household or spousal discounts when two people in the same household both have Medigap policies.
Tobacco surcharge: Tobacco users in Oregon typically pay approximately UNVERIFIED (national typical range is 15-25% but Oregon-specific data not confirmed) more in Medigap premiums.
Plan G vs Plan N in Oregon
Plan G and Plan N are the two most popular Medigap plans in Oregon. Here is how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | Not covered (you pay $240/year in 2026) | Not covered |
| Part B Copay | Covered (no copays) | Up to $20 copay for office visits, up to $50 for ER visits not resulting in admission |
| Part B Excess Charges | Covered | Not covered |
| Monthly Premium | Higher | Lower (typically 15-25% less than Plan G) |
| Best For | Predictable costs, no copays | Lower premiums, okay with small copays |
Bottom line: If you want the most comprehensive coverage with no copays at the doctor, choose Plan G. If you prefer lower monthly premiums and do not mind occasional $20 copays, Plan N offers strong coverage at a lower cost.
Top Medigap Carriers in Oregon
Top Medigap carriers in Oregon:
- AARP/UnitedHealthcare
- Moda Health
- Regence
- Mutual of Omaha
- Humana
Moda Health (approximately 185 per month at age 65) typically offers among the lowest Plan G premiums in Oregon. However, the cheapest carrier varies by zip code and age bracket.
When comparing Medigap carriers, the benefits are identical for the same plan letter. Focus on premium cost, AM Best financial strength rating (A or higher is strong), customer service reputation, and rate increase history.
Rate increase trend: Oregon Medigap carriers have historically had average (typical 3-8% annually from healthcare inflation plus attained-age increases; Oregon birthday rule helps consumers switch away from carriers with excessive hikes) rate increases compared to the national average.
Oregon Medigap Switching Rights
Oregon birthday rule: Oregon’s birthday rule (adopted 2014) opens a 60-day window — 30 days before through 30 days after your birthday — during which you can switch to a new Medigap policy with the same or lesser benefits from any carrier with guaranteed issue. No medical underwriting or health-based denial allowed. You cannot switch to a plan with greater benefits during this window. This applies every year regardless of health status. This annual switching window allows you to change Medigap plans without medical underwriting, potentially finding lower premiums.
Guaranteed Issue Rights in Oregon
Federal law provides guaranteed issue rights in specific situations where you can buy a Medigap plan without medical underwriting:
- Losing employer/union coverage
- Your Medicare Advantage plan leaves your area
- You joined an MA plan when first eligible and want to switch back within 12 months (trial right)
- Your Medigap carrier goes bankrupt
Oregon-specific guaranteed issue protections: Oregon birthday rule annual switching window, loss of employer/union group coverage, Medicare Advantage plan leaves service area or stops participating in Medicare, Medigap insurer becomes insolvent, first-time Medigap applicant during initial 6-month open enrollment at age 65
Additional Oregon Medigap rules: Oregon birthday rule allows guaranteed-issue Medigap switching annually (30 days before/after birthday) to equal or lesser plans without medical underwriting. Oregon SHIBA (Senior Health Insurance Benefits Assistance) provides free Medicare counseling statewide. Oregon DFR requires insurers to file rate increases and maintains 3-year rate increase history for consumer review. Transamerica is the only carrier offering all 10 standardized plan types in Oregon.
Common Medigap Mistakes in Oregon
- Missing your OEP: Your 6-month Medigap Open Enrollment Period is your best window. After it closes, carriers can deny you or charge higher premiums based on health.
- Choosing by carrier name alone: Medigap plans are standardized. A well-known brand’s Plan G costs more but covers the exact same benefits as a smaller carrier’s Plan G.
- Ignoring rate increase history: Some carriers offer low introductory rates then raise premiums aggressively. Ask for 5-year rate increase history before buying.
- Not comparing at least 3 carriers: Premium differences of 30-50% between carriers for the same plan letter are common.
- Confusing Medigap with Medicare Advantage: They are different products. You cannot have both simultaneously (except during limited trial rights).
Compare Oregon Medigap Rates
Ready to compare Medigap plans in Oregon? Use the official Medicare Plan Finder or contact your local SHIP counselor.
Official Sources & Resources
- Medicare.gov: medicare.gov
- Oregon Division of Financial Regulation (under Department of Consumer and Business Services): https://dfr.oregon.gov/
- NAIC Medigap Shopping Guide: naic.org
- CMS Medicare & You Handbook: Medicare & You (PDF)
Last verified April 2026. Contact us if you notice outdated information.