Medicare + OHP: Dual Eligible Options in Oregon
Dual Eligible in Oregon: Medicare + OHP, Explained
If you have Medicare and qualify for Oregon Health Plan (OHP), a Dual Eligible Special Needs Plan (D-SNP) may coordinate your benefits and simplify day-to-day care. JC Insurance Group helps people across Portland, Eugene, Salem, Springfield, Corvallis, and Albany review local D-SNP options, confirm eligibility, and understand how OHP and Medicare work together. From the Pearl District and Sellwood to West Salem and South Eugene, we make the process straightforward.
How D-SNP Plans Work
D-SNPs are Medicare Advantage plans designed for people who have both Medicare and Medicaid. In Oregon, Medicaid is OHP and is typically administered by regional CCOs. A D-SNP coordinates your Medicare benefits with OHP so your medical, hospital, and supplemental benefits can work in step. If you want to compare all plan types first, we can also walk you through
Medicare Advantage alongside D-SNP options.
Dual Eligible Eligibility in Oregon
You may be dual eligible if you receive Medicare (due to age or disability) and meet OHP income or resource guidelines. Some people qualify full-time; others qualify part-time or for cost-sharing help. JC Insurance Group reviews your current coverage, confirms your county’s options, and explains what documents to bring so enrollment goes smoothly.
Dental, Vision, OTC and More
Many D-SNPs include extras that go beyond Original Medicare, such as dental, vision, hearing, transportation, fitness benefits, and over-the-counter allowances. Coverage varies by carrier and county. We’ll check your doctors, medications, and preferred pharmacies and show you how total annual costs compare with other choices, including Medigap plus Part D when that combination makes sense.
Your CCO And Providers
OHP stays with your CCO; the D-SNP coordinates care with that CCO and your Medicare benefits. We verify your PCP, specialists, and nearby hospitals - OHSU, Providence, Legacy, PeaceHealth, Samaritan Health - before you enroll. If a key provider isn’t available, we’ll look at alternatives or different plan types.
Enrollment Windows for Dual Eligible Members
Many dual eligible members have more enrollment flexibility than the general Medicare population. If you gain, lose, or change OHP eligibility, move counties, or your plan leaves the area, you may qualify for a Special Enrollment Period. JC Insurance Group reviews your timing, confirms documentation, and handles the steps so coverage starts when you expect.
Clear Guidance for D-SNP Choices
We compare D-SNP choices across your county and explain tradeoffs in plain language. You’ll know how the plan coordinates with OHP, what your copays look like, and how your providers and pharmacies align. If you want to talk face-to-face, join one of our community Events in Portland, Eugene, Springfield, Corvallis, or Albany.
D-SNP Questions We Hear Most
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Call Us Today.
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What is a D-SNP?
A Medicare Advantage plan for people who have both Medicare and Medicaid (OHP in Oregon). These plans coordinate benefits and may include added services.
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Do D-SNPs add dental or vision?
Many offer extra benefits like dental, vision, hearing, and transportation. The details vary by carrier and county.
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Do I keep my CCO?
Yes. OHP remains with your CCO; the D-SNP coordinates your Medicare benefits with that coverage.
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Can I change D-SNP plans during the year?
Some members have additional Special Enrollment Periods. We’ll confirm your eligibility and timing.
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Who can help if I’m unsure?
JC Insurance Group can walk you through options, and Oregon’s SHIBA program is another free resource.
Review Your Dual Eligible Options
Tell us your ZIP code, doctors, medications, and OHP details. JC Insurance Group will compare D-SNP plans in your county and help you choose what fits.