Who publishes, writes and reviews this site
OregonMedicare.org is published by Benefits Life, Inc., a licensed insurance agency and Medicare third-party marketing organization based in Denver, Colorado. Pages are written and reviewed by the Benefits Life Editorial Team, whose members are licensed insurance agents. Team members are listed on the About page with their National Producer Numbers, which you can check on state insurance licensee lookups.
Official sources first
- Federal rules: the Centers for Medicare & Medicaid Services (CMS), Medicare.gov, Social Security, the Federal Register and the Code of Federal Regulations (eCFR).
- Oregon rules: the Oregon Revised Statutes and Oregon Administrative Rules, the Oregon Health Authority (OHA, including OHP, PEBB and OEBB), the Oregon Department of Human Services (ODHS), the Division of Financial Regulation (DFR), which regulates Medigap and other insurance in Oregon, and Oregon PERS.
- Tribal health: the Indian Health Service and tribes' own published information.
- Veterans and military: the U.S. Department of Veterans Affairs and TRICARE.
- Research and context: KFF.
Every page lists its sources at the bottom. If we can't confirm something from an official source, we leave it out.
Numbers come from the data, not from memory
Dollar amounts (premiums, deductibles, out-of-pocket limits, income limits) come from the figures CMS, Social Security and the IRS publish each year, kept in one data file, so a change updates every page at once. Plan, company and special needs plan counts and enrollment numbers come straight from CMS files, such as the Medicare Advantage and Part D Landscape files and Medicare Monthly Enrollment data, and say which file and month they come from. When CMS hasn't yet published a figure for next year, we say so instead of estimating. See Oregon Medicare by the numbers.
What we don't do
- We don't rank, rate or recommend specific plans, and we don't show plans' premiums, cost sharing, star ratings or benefits.
- We don't name insurance companies in our guides. Company names appear only with CMS data and its citation, such as the companies whose plans end in 2027.
- We don't accept payment to feature, rank or recommend any plan, company or agent in our editorial content.
- We aren't connected with or endorsed by the U.S. government, the federal Medicare program, OHA, ODHS or any Oregon agency.
Review and corrections
Each page shows the date the Editorial Team last reviewed it. We review pages every fall, when CMS publishes the next year's figures and plans, and whenever a federal or Oregon rule changes. If you find a mistake, contact Benefits Life through benefitslife.com or write to the mailing address in the footer. We check the source, correct the page and update its reviewed date. See Contact.
How the site is paid for
Benefits Life works with independent licensed insurance agents and agencies. When they enroll beneficiaries in plans, the agent and Benefits Life may be paid by the insurance company. The agents shown on this site are independent licensed insurance agents who work with Benefits Life; they aren't Benefits Life employees. That relationship is disclosed directly above every agent listing and on the About page. Agent listings are kept separate from our guides, and appearing in a listing doesn't change what a guide says.
Sources
- Centers for Medicare & Medicaid Services
- Federal Register
- eCFR — 42 CFR Part 422, Subpart V (Medicare Advantage communication requirements)
- KFF — Medicare
- Oregon Division of Financial Regulation
- Oregon Health Authority
- Oregon Department of Human Services
Frequently asked questions
Who writes OregonMedicare.org?
The Benefits Life Editorial Team: licensed insurance agents at Benefits Life, Inc., the site's publisher. Team members and their National Producer Numbers are listed on the About page.
How do you choose sources?
Official sources first: CMS and Medicare.gov for Medicare rules, Social Security for enrollment and premiums, the Federal Register and the Code of Federal Regulations for the law, and Oregon's statutes, administrative rules and agencies (OHA, ODHS and the Division of Financial Regulation) for state rules. KFF is used for research and context.
Why don't you list plan premiums or star ratings?
Those details belong to each plan and change every year. The site explains how Medicare works and points you to plans for your ZIP code, or to Medicare.gov and 1-800-MEDICARE for information on all of your options.
How do I report a mistake?
Contact Benefits Life through benefitslife.com or write to the mailing address in the footer. We check the source, correct the page and update its reviewed date.
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