Rule allows you to sign up for Medigap

January 2014


In the past, some people newly eligible for Medicare kept their private individual health plans to supplement their Medicare coverage. They may be among the Oregonians whose individual plans either ended Dec. 31, 2013, or will end some time in 2014 as health care reform ushers in new plans with more benefits.

New rule: An emergency rule gives these Medicare recipients a one-time opportunity to buy a standardized Medicare Supplement policy. People have 63 days from the date their individual plan ends to enroll in supplemental coverage.

Key facts

  • Medicare doesn’t pay all the costs of medical care, so many people buy Medicare Supplement insurance (called a Medigap plan) to pay some or most of the gaps in coverage.
  • This rule allows people to buy any Medigap plan a company sells, regardless of health, for the same price as people with good health. Normally, Medigap insurance companies can review a person’s medical health to decide whether to accept them and how much to charge.
  • The loss of the individual plan also gives people an opportunity to buy Medicare prescription drug coverage.


People who have questions about the rule or how to shop for a Medigap plan or prescription drug coverage can contact:

  • An insurance agent who sells Medicare insurance
  • An insurance company
  • The state’s Senior Health Insurance Benefits Assistance program.The state program uses certified volunteer counselors to help people with Medicare questions. Call 1-800-722-4134 (toll-free).

Medicare help

Call statewide office:

1-800-722-4134 (toll-free)

Find help near you:

Oregon counseling sites

Contact us:

SHIBA contact form


1-800-633-4227 (toll-free), 24 hours a day, seven days a week

Other key links: