Five questions to answer first
- Which doctors and hospitals do you want to keep? Write them down, with clinic names. Medicare Advantage plans use networks; ask each office which plans it takes for 2027.
- Which drugs do you take? List each one with its dose. Every Part D and Medicare Advantage drug plan has its own drug list, and those lists change yearly.
- Where do you spend time? If you winter in Arizona, visit family out of state or travel often, check how a plan handles care away from home.
- What's offered in your county? Choices vary a lot across Oregon. See your county's page.
- Do you have other coverage? OHP, VA, TRICARE, PEBB, OEBB, PERS or job coverage all change the answer.
The two main paths
| Original Medicare + Medigap + Part D | Medicare Advantage | |
|---|---|---|
| Doctors | Any provider in the U.S. that accepts Medicare | Usually a network; rules vary by plan |
| Drugs | A separate Part D plan | Usually included |
| Yearly out-of-pocket limit | None in Original Medicare; Medigap covers some or most gaps | Each plan has one |
| Changing later | Medigap can require health questions outside protected windows | You can switch plans each fall |
Medicare Advantage plans may offer extra benefits such as dental, vision, hearing or fitness. Extra benefits vary by plan and county, may have limits and costs, and not every plan offers them. Check a plan's Summary of Benefits or Evidence of Coverage.
Oregon facts that change the choice
- County availability. For 2027, CMS lists 61 Medicare Advantage plans open to everyone in Oregon, but none in Grant, Harney, Lake, Umatilla or Union counties, and only a special needs plan in Curry County.
- Medigap timing. Your six-month Medigap open enrollment starts with Part B, at any age. After that, Oregon's birthday rule helps only people who already have Medigap. See when can I buy Medigap.
- Plans ending. Six companies stop selling Medicare Advantage plans in some Oregon counties for 2027. See plans ending in 2027.
- OHP. If you have OHP with Medicare, your CCO doesn't change, and some plans are built for people with both. See Medicare and OHP.
Compare, then enroll
Enter your drugs and ZIP code in Medicare's Plan Finder, or see plans for your ZIP code on PlanMatch. To compare plans from the companies they work with, you can request a call from a licensed insurance agent. For 2027 coverage, enroll by December 7, 2026.
Related questions
When can I switch Medicare plans in Oregon?
Every window to change.
What are the 2027 deadlines?
Dates on one calendar.
Can I keep my doctor with Medicare Advantage?
How networks work.
Sources
- Medicare.gov — Your coverage options
- Medicare.gov — Compare Original Medicare and Medicare Advantage
- Medicare.gov — Medicare Plan Finder
- CMS — Medicare Advantage and Part D contract and enrollment data (CY2027 Landscape file)
- Oregon Health Authority — OHP and Medicare
- Oregon Administrative Rules — OAR 836-052-0138, Medigap open enrollment
More questions in this guide
- What are the Medicare deadlines in Oregon for 2027?
- What is the Medicare Advantage Open Enrollment Period (January to March)?
- What should I do if my Medicare Advantage plan is leaving my Oregon county?
- When can I switch Medicare plans in Oregon?
- Which Medicare plans are ending in Oregon in 2027?
Part of the guide: Medicare Open Enrollment in Oregon (2027 Plans) · All questions
Frequently asked questions
Is one type of Medicare plan better in Oregon?
It depends on you. Original Medicare with Medigap lets you see any provider in the U.S. that accepts Medicare. Medicare Advantage plans use networks and vary by county, and some Oregon counties have no plan open to everyone.
Should I just keep the plan I have?
Read your Annual Notice of Change first. Networks, drug lists and costs can change each year, and some Oregon plans are ending for 2027.
Where can I compare plans?
Medicare's Plan Finder at Medicare.gov shows plans in your area. A licensed insurance agent can also compare plans from the companies they work with.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
