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Medicare


Very few government programs will help pay your long-term care expenses. Those that do have strict eligibility requirements and limits on what is covered.

You should not count on Medicare to pay for your long-term services and supports needs. Medicare pays little or nothing for help with activities of daily living for long periods of time. Medigap insurance (supplemental insurance for Medicare) is not intended to meet long-term services and supports needs; it covers very few long-term services and supports.

What is Medicare?

Medicare is health insurance for the following:
  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with end-stage renal disease
    (permanent kidney failure requiring dialysis or a kidney transplant)

For more information about Medicare coverage and costs in your area:

Resources to help navigate Medicare

Senior Health Insurance Benefits Assistance (SHIBA)

Do you need help comparing Medicare medical and drug plan coverage? Senior Health Insurance Benefits Assistance (SHIBA) program counselors give one-on-one help with:
  • Selecting a Medicare prescription drug plan
  • Comparing Medicare Advantage plans and Medicare supplement plans
  • Applying for Medicare savings programs, including Extra Help with Medicare prescription drug coverage.
Call SHIBA toll-free at 1-800-722-4134 or visit the program’s website to find a local SHIBA volunteer.

Senior Medicare Patrol (SMP)

The Senior Medicare Patrol (SMP) programs help people receiving Medicare and/or Medicaid avoid, detect and prevent health care fraud. They protect older adults and help preserve the integrity of the Medicare and Medicaid programs.

SMP staff and highly trained volunteers reach out to Medicare beneficiaries in their communities. Their primary goals are to teach Medicare beneficiaries to:
  • Protect their personal identity
  • Identify and report errors on their health care bills
  • Identify deceptive health care practices such as:
    • Doing illegal marketing
    • Providing unnecessary or inappropriate services
    • Charging for services that were not provided
Volunteers teach others to protect themselves against fraud. They discuss how to keep Medicare ID numbers safe. They also teach how to examine Medicare Summary Notices and other explanations of benefits for errors and to report suspicious activity.

You can reach the Oregon SMP Program by calling 1-855-ORE-ADRC (1-855-673-2372) or emailing oregon.smp@state.or.us.

Oregon Scam Advisory

Learn about some of the most common scams in Oregon and the steps you can take to protect yourself. Remember that if a deal sounds too good to be true, it probably is! Check back here each quarter for the latest Oregon Scam Advisory.

Find Medicare resources in your local area.

Connect with your local ADRC.

ADRC of Oregon staff are available to help you explore your options to meet your current needs or create a plan for the future.

Connect now

Planning Toolkit

Find information, resources and tools to help you start planning.

Medicare application checklist

This checklist will help you gather the information you may need to complete the online Medicare, retirement and spouse's applications.

Download

Turning 65 and need help with Medicare information?

Learn more about starting Medicare and important timelines for signing up. Oregon’s Cruising to 65 website for Oregon boomers will help you understand Medicare before you turn 65. You need to know about Medicare to avoid penalties in your Medicare coverage. This is true even if you still work or don’t receive Social Security.

Learn more

How much will services cost?

Calculate your future long-term services and supports expenses.

Calculate now

How will I pay for services?

Estimate your likely future financial resources.

Estimate now


 
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