If you have a Medicare Advantage or Part D plan
These plans are approved for specific counties. When you move to Oregon:
- Call your current plan. Ask whether your Oregon address is in its service area. Usually it isn't, and the plan will end after you move.
- Use your Special Enrollment Period. If you tell your plan before you move, your window starts the month before the month you move; it lasts 2 full months after the move. Coverage starts the first of the month after you enroll.
- Compare Oregon plans for your county. Choice ranges widely: for 2027, 32 Medicare Advantage plans open to everyone in Multnomah County, 3 in Deschutes County and none in Grant, Harney, Lake, Umatilla or Union counties (CMS CY2027 Landscape). Statewide there are 8 standalone Part D plans.
- Move your prescriptions and doctors. Check your drugs and an Oregon pharmacy in the new plan before you enroll.
If you don't choose a plan in time, you'll have Original Medicare. If you also lose drug coverage, a Part D late penalty can apply after 63 days without creditable coverage.
If you have Original Medicare and Medigap
Original Medicare needs no change. A Medigap policy is guaranteed renewable, so you can usually keep it after the move; your company may change the premium for your new address, and you can compare Oregon policies. Oregon's Division of Financial Regulation regulates Medigap sold here (1-888-877-4894).
Two Oregon rules matter for newcomers:
- Under 65 with a disability: if you move from a state that doesn't require Medigap for people under 65, you have guaranteed issue for 63 days after establishing Oregon residency (OAR 836-052-0138).
- Birthday rule: Oregon Medigap policyholders can switch each year around their birthday to equal or lesser benefits (OAR 836-052-0143). See Medigap in Oregon.
Oregon programs to know
If your income is limited, apply for Oregon's Medicare Savings Programs (no asset limit) or the Oregon Health Plan through ONE Oregon at one.oregon.gov. Our moving to Oregon with Medicare guide has more. To compare plans in your new county, you can request a call from a licensed insurance agent.
Related questions
What happens if I move out of Oregon?
Leaving the state with Medicare.
Is Medicare Advantage in every Oregon county?
Where plans aren't offered.
Can I get Medicare under 65 on disability?
Oregon's under-65 Medigap rule.
Sources
- Medicare.gov — Special Enrollment Periods
- 42 CFR 422.62 — Election of coverage under an MA plan
- Oregon Division of Financial Regulation — Medicare supplement insurance
- OAR 836-052-0138 — Medicare supplement open enrollment (Oregon)
- OAR 836-052-0143 — Annual opportunity to select another Medicare supplement policy (Oregon)
- CMS — Medicare Advantage/Part D contract and enrollment data (CY2027 Landscape)
More questions in this guide
- Can I get Medicare before 65 if I'm on disability in Oregon?
- Do I need Medicare Part B if I'm still working at 65 in Oregon?
- How do I sign up for Medicare in Oregon?
- What happens if I miss Medicare enrollment in Oregon?
- What happens to my Medicare if I move out of Oregon?
- When should I sign up for Medicare if I'm turning 65 in Oregon?
Part of the guide: Medicare enrollment periods in Oregon · All questions
Frequently asked questions
Do I need to tell Social Security I moved to Oregon?
Yes. Update your address at ssa.gov or 1-800-772-1213. Medicare uses Social Security's address records, and plans in your new county will check your address when you enroll.
Can I buy a new Medigap policy in Oregon without health questions?
Only in certain cases: during your Medigap open enrollment, with a guaranteed-issue right such as leaving a Medicare Advantage plan because you moved out of its area, or if you're under 65 on Medicare due to disability and moved from a state without under-65 Medigap rights (63 days in Oregon).
Does Oregon have a Medigap birthday rule?
Yes. If you have a Medigap policy, OAR 836-052-0143 lets you switch to a policy with the same or lesser benefits from 30 days before to 30 days after your birthday each year, without health questions.
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 →
