Oregon
Medicare help in Oregon
Free, unbiased counseling, help paying premiums and drug costs, how to check an agent before you talk to one, and the Oregon rules that affect your Medigap choices.
Free counseling
SHIBA
Senior Health Insurance Benefits Assistance (SHIBA) is Oregon's State Health Insurance Assistance Program. Trained counselors answer Medicare questions, compare plans with you and help you apply for savings programs, at no cost. They don't sell insurance.
Help paying for Medicare in Oregon
If your income and savings are limited, these programs can lower your premiums and drug costs. Many people who qualify never apply.
Medicare Savings Programs
Oregon Health Plan (Oregon Medicaid) runs Oregon's Medicare Savings Programs. They pay your Part B premium, and the fullest one (QMB) also pays Part A premiums, deductibles and copays. You don't need to qualify for full Medicaid.
The 2026 federal minimum limits: income up to $1,350 a month single or $1,824 married for full help (QMB), or up to $1,816 single or $2,455 married for help with the Part B premium, and savings up to $9,950 single or $14,910 married. Your home and one car don't count. States can be more generous.
Oregon uses the federal income limits. Oregon doesn't count your savings or other assets for these programs.
Extra Help with drug costs
Extra Help is a federal program, run by Social Security, that lowers Part D premiums, deductibles and copays. In 2026 you may qualify with income up to $23,940 a year single or $32,460 married, and resources up to $18,090 single or $36,100 married. If you get a Medicare Savings Program, Medicaid or SSI, you get Extra Help automatically. Apply with Social Security.
Oregon drug assistance program
Medicare.gov lists no general state drug assistance program for people with Medicare in Oregon. Start with Extra Help; Oregon's free SHIP counselors can help you apply.
Sources: Medicaid.gov state contacts, Oregon's own Medicaid pages and Medicare.gov's state program list, checked October 27, 2026. Limits change every year; confirm with Oregon Health Plan (Oregon Medicaid) before you apply. How Extra Help and savings programs work.
Check an agent's license in Oregon
The Oregon Division of Financial Regulation licenses insurance agents in Oregon. Before you share personal information, look the agent up by name or National Producer Number (NPN) and make sure their license is active and includes health insurance.
Medigap rules in Oregon
Switching plans later
Oregon gives people who already have Medigap a way to switch without health questions: 30 days before to 30 days after your birthday. Same or lower benefits; you can change companies.
If you're under 65
Insurers in Oregon must offer Medigap to people under 65 who have Medicare. Plans and prices can be limited. More on Medigap under 65.
Source: NAIC state Medigap chart, May 11, 2026. Confirm with the Oregon Division of Financial Regulation before changing coverage.
Dates that apply everywhere
- October 15 to December 7: Open Enrollment, when you can change Medicare Advantage and drug plans. All enrollment periods
- January 1 to March 31: people in Medicare Advantage can switch plans or go back to Original Medicare once.
- Around your 65th birthday: your 7-month window to sign up. Turning 65
Common questions in Oregon
Where can I get free Medicare help in Oregon?
Senior Health Insurance Benefits Assistance (SHIBA) is Oregon's State Health Insurance Assistance Program. Its counselors help with Medicare questions for free and don't sell insurance. Call 1-800-722-4134.
How do I check a Medicare agent's license in Oregon?
The Oregon Division of Financial Regulation licenses insurance agents. Use its license lookup to search by the agent's name or National Producer Number (NPN), or call 1-888-877-4894.
How do I get help paying Medicare premiums in Oregon?
Apply for a Medicare Savings Program through Oregon Health Plan (Oregon Medicaid) (1-800-699-9075). These programs pay your Part B premium, and sometimes your deductibles and copays. Oregon uses the federal income limits. Oregon doesn't count your savings or other assets for these programs. Oregon's free SHIP counselors (1-800-722-4134) can help you apply.
Does Oregon help pay for prescriptions?
Medicare.gov lists no general state drug assistance program for people with Medicare in Oregon. Extra Help, a federal program run by Social Security, lowers Part D premiums and copays for people with limited income, and Oregon's free SHIP counselors (1-800-722-4134) can check whether you qualify.
Does Oregon have a Medigap birthday rule?
Oregon gives people who already have Medigap a way to switch plans without health questions: 30 days before to 30 days after your birthday. Same or lower benefits; you can change companies.
Can I buy Medigap under 65 in Oregon?
Insurers in Oregon must offer Medigap to people under 65 who have Medicare. Plans and prices can be limited.
State contacts checked against official Oregon sites on October 26, 2026. General information, not advice about a specific plan. How we check facts.