Medicare Information and Resources

Information
Medicare is the federal health insurance program for people age 65 and older. Certain people younger than age 65 can qualify, including those who receive Social Security Disability Income & those who have permanent kidney failure. Because Medicare is health insurance, you share the costs of your car

Medicare Alphabet 

PART A

  • Hospital / facility coverage

PART B

  • Medical / outpatient coverage

These are Original Medicare coverage

(Both of these pay 80%. Many people want something to fill the 20% “gap.” There are options available to help cover the 20%)

MEDIGAP

  • Supplement Insurance for Original Medicare – these standardized plans cover 20% of the Medicare-approved cost

PART C- MEDICARE ADVANTAGE PLAN

  • It is still Medicare, just delivered differently. Hospital and Medical coverage, and sometimes Drug coverage, are bundled and provided by a managed care plan (HMO-PPO-PFFS)

PART D

  • Prescription drug coverage, available to all people with Medicare Part A & B or just Part A or just Part B.
VOLUNTARY
  • Part B (Medical) and Part D (Drug) are voluntary – you can choose not to enroll. There are penalties. Example: if you don’t have a drug plan with coverage “as good as” Part D (also referred to as creditable coverage), and decide NOT to sign up for a Part D plan, there is a 1% penalty per month of delay and you may have to wait until annual open enrollment to sign up.
VERY IMPORTANT
  • If you have drug coverage through a retiree plan or an employer sponsored plan from your current employment or your spouse’s current employment, check with the plan and ask if coverage is creditable.

Note - If you have drug coverage through a retiree plan or an employer sponsored plan from your current employment or your spouse’s current employment, check with the plan and ask if coverage is creditable.

Contact

PERS

Oregon Public Employees Retirement System
phone number888-320-7377Talk with a PERS Member Services representative Monday - Friday 8:30 a.m. - 5 p.m.

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Senior Health Insurance Benefit Assistance (SHIBA)

State of Oregon Medicare Help
phone number1-800-722-4134Oregon toll-free, enter your zip code to be routed to a local office in your county

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