The plan letters and what they cover
Every Medigap plan pays some of the costs Original Medicare leaves to you. The letters below are standardized nationally, with exceptions only in Massachusetts, Minnesota and Wisconsin. Oregon follows the standard plans in OAR chapter 836, division 52.
| Plan | What sets it apart |
|---|---|
| A | The core benefits: Part A hospital coinsurance and extra hospital days, Part B coinsurance, first three pints of blood, hospice coinsurance. |
| B | Plan A plus the Part A deductible. |
| C | Adds skilled nursing coinsurance, the Part B deductible and foreign travel emergency care. Only if first eligible before 2020. |
| D | Like C, without the Part B deductible. |
| F | Covers all the standard gaps, including the Part B deductible and Part B excess charges. Only if first eligible before 2020. |
| G | Like F, without the Part B deductible. |
| High-deductible F and G | Same benefits after you pay a yearly deductible of $3,050 in 2027. |
| K | Pays 50% of most cost sharing, with a 2027 out-of-pocket limit of $8,360. |
| L | Pays 75% of most cost sharing, with a 2027 out-of-pocket limit of $4,180. |
| M | Like D, but pays only half the Part A deductible. |
| N | Like D, but you pay up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission. |
Plan details are summarized from Medicare.gov's comparison chart; check it, or the DFR benefit chart, for the full list.
What's different in Oregon
- Under 65: during your six-month open enrollment, a company must offer every policy it sells, not just Plan A. See can I get Medigap under 65.
- Birthday rule: once you have a policy, you can move to the same or lesser benefits each year around your birthday. See Oregon's birthday rule.
- Free look: you have 30 days after a policy is delivered to return it for a refund (OAR 836-052-0160).
How to choose a letter
Because benefits are fixed by letter, the choice comes down to how much cost sharing you want to cover, then which company and price. Ask how each company sets its prices; Oregon allows pricing by attained age, and some companies use other methods. Medigap works with any doctor or hospital in the U.S. that accepts Medicare, which matters in rural Oregon and for travel.
To compare Medigap policies from the companies they work with, you can request a call from a licensed insurance agent. More in Medigap in Oregon and Original Medicare vs. Medicare Advantage.
Related questions
When can I buy Medigap in Oregon?
Every protected window.
Does Oregon have a Medigap birthday rule?
Yes: 30 days before to 30 days after.
Can I switch from Medicare Advantage to Medigap?
When you're protected.
Sources
- Medicare.gov — Compare Medigap plan benefits
- Medicare.gov — Medigap basics
- CMS — Out-of-pocket limits for Medigap Plans K and L, 2027
- CMS — Deductible for Medigap high-deductible options F, G and J, 2027
- Oregon Division of Financial Regulation — Medicare supplement benefit chart (form 440-2452M)
- Oregon Administrative Rules — OAR 836-052-0138, open enrollment
More questions in this guide
- Can I get a Medicare Supplement under 65 in Oregon?
- Can I switch from Medicare Advantage to a Medicare Supplement in Oregon?
- Does Oregon have a Medigap birthday rule?
- When can I buy a Medicare Supplement in Oregon?
Part of the guide: Medigap in Oregon — what it covers and Oregon's rules · All questions
Frequently asked questions
Does every company sell every plan letter?
No. Each company chooses which letters it sells, so the plans you can buy depend on the companies selling in Oregon. Prices differ by company even for the same letter.
Do Medigap plans cover prescription drugs?
No. Medigap policies sold today don't include drug coverage, so you'd also join a stand-alone Part D plan. CMS lists 8 Part D plans in Oregon for 2027.
Who regulates Medigap in Oregon?
The Oregon Division of Financial Regulation (DFR) reviews Medigap policy forms and rates and takes complaints at 1-888-877-4894.
Medicare in your Oregon county
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