2026 Medicare Supplement in Oregon

Standardly at age 65 for age-based eligibility, though beneficiaries with certain long-term disabilities or specific medical conditions such as end-stage renal disease (ESRD) and Lou Gehrig's disease (ALS) can begin earlier.

Yes. You must have active enrollment in both Medicare Part A and Part B before an insurance company can sell you a Medigap policy.

Yes, Oregon implemented a Medigap birthday rule that provides an annual 60-day open enrollment window starting 30 days before your birthday and ending 30 days after your birthday. During this time, Oregon residents with an active Medicare Supplement policy can switch to any other Medigap plan with equal or lesser benefits without medical underwriting. This guaranteed issue right allows you to change insurance carriers to secure a lower premium or better service regardless of your health history, provided the new plan does not offer additional significant benefits compared to your current one.

Yes, you can. If you are under 65 and on Medicare due to a disability or ESRD, you are granted a 6-month Medigap Open Enrollment Period starting the month your Medicare Part B becomes active. Oregon does not mandate that insurance carriers offer the same Medigap plans to Under-65s as those over 65, so it depends on your zip code which Medigap plans are available. Also, if you are outside your guaranteed issue rights, you are subject to medical underwriting.

In Oregon you have broad federal guaranteed issue rights that protect you from medical underwriting during your Medigap Open Enrollment Period and a state guaranteed right to switch Medigap plans via the birthday rule.