Medicare Advantage · D-SNP · HMO · 2027
CareOregon Advantage Plus (HMO D-SNP)
No referral needed to see a specialist
At a glance: $0 monthly premium and $0 primary care visits.
Eligibility required for this D-SNP. You must be entitled to Medicare Part A, enrolled in Part B, and have a Medicaid category this plan accepts. See who can enroll
- Monthly premium
- $0
- Part B premium separate
- Yearly limit
- $9,850
- So long as Medicaid continues to pay your Medicare deductible, coinsurance, and copayments, you will not have a maximum out of pocket responsibility.
- OTC allowance
- $70/quarter
- OTC allowance
- Doctor visits
- $0
- Primary care · specialists $0
Check this plan for you
Add your doctors and prescriptions to see how they work with this plan.
- OTC allowance
- $70/quarter
- VisionRoutine vision benefit
- Included
- Fitness$0 fitness benefit
- Included
This is a supplemental benefit with plan-specific limits. See plan documents for details.
Enter your ZIP code to see how you can enroll
Enrollment options depend on where you live. Enter your ZIP code so we can show the right ways to enroll in this plan.
Who can enroll
Eligibility for this Special Needs Plan
Eligibility required for this D-SNP
You must be entitled to Medicare Part A, enrolled in Part B, and have a Medicaid category this plan accepts. The plan must verify your Medicaid status. Eligibility alone does not create a year-round right to enroll.
- Integration status
- HIDE
Common dual-eligibility labels
These definitions are educational. They do not confirm which Medicaid categories this specific plan accepts.
- FBDE
- Full Medicaid benefits in addition to Medicare.
- QMB+
- QMB help with Medicare costs plus full Medicaid benefits.
- SLMB+
- SLMB help with the Part B premium plus full Medicaid benefits.
- QMB
- Help with Medicare premiums and Medicare-covered cost sharing.
Check the Summary of Benefits or Evidence of Coverage for the exact Medicaid levels this plan accepts.
Could a Medicare Savings Program help?
Medicare Savings Programs are run by each state. The 2026 federal baseline monthly income limits are:
- QMB: $1,350 for one person or $1,824 for a married couple
- SLMB: $1,616 for one person or $2,184 for a married couple
- QI: $1,816 for one person or $2,455 for a married couple
Alaska, Hawaii, and some states use different limits or resource rules. Qualifying for an MSP does not by itself confirm eligibility for this D-SNP. Apply through your state Medicaid office.
Learn about QMB, SLMB, and QIExtra benefits for members who qualify
- $225/quarter food and produce allowance
These benefits are not available to every member. Even if you have a listed chronic condition, the plan must confirm that you meet its coverage criteria. See the Evidence of Coverage for complete rules.
Costs and copays
Deductibles, yearly limit, visits and drug tiers
- DeductiblesMedical · $700 for drugs
- $0
- Yearly limitSo long as Medicaid continues to pay your Medicare deductible, coinsurance, and copayments, you will not have a maximum out of pocket responsibility.
- $9,850
- Primary doctorPer visit
- $0
- SpecialistPer visit · no referral needed
- $0
- Outpatient surgeryPer procedure
- $0
- Emergency roomPer visit
- $0
- Urgent carePer visit
- $0
- Tier 1 · Preferred Generic30-day supply at a retail pharmacy
- $0
- Tier 2 · Generic30-day supply at a retail pharmacy
- 25%
- Tier 3 · Preferred Brand30-day supply at a retail pharmacy, after deductible
- 25%
- Tier 4 · Non-Pref Brand30-day supply at a retail pharmacy, after deductible
- 26%
- Tier 5 · Specialty30-day supply at a retail pharmacy, after deductible
- 25%
- Tier 6 · Drugs30-day supply at a retail pharmacy, after deductible
- $0
This plan is for people with Medicaid. What you pay depends on your Medicaid level: with QMB, your share of Medicare-covered services is covered; with full Medicaid benefits, your state may also cover Medicaid-covered services. Your state Medicaid office can confirm your level — or call us at 1-866-764-3312 (TTY 711) and a Licensed Medicare Advisor will help confirm it and discuss this plan's details with you. If you lose Medicaid eligibility, you may be billed the plan's cost sharing.
Our take
Where this plan shines, and what to know
Where this plan shines
- This plan has a $0 monthly premium.
- See your primary doctor for $0.
- The specialist copay ($0) is among the more affordable options.
- No separate medical deductible.
Things to know before you enroll
- This plan’s out-of-pocket maximum is above the national median.
- You’ll need to use in-network providers except in emergencies.
- Limited coverage while traveling outside the plan’s service area.
Similar plans
Other Medicare Advantage plans offered in Oregon
Browse the full 2027 Dual Eligible Special Needs Plan directory. This plan is offered in Oregon. Plan availability can vary by county.
More Dual Eligible Special Needs Plan options
These plans are offered in at least one of the same states. Check your ZIP or county before choosing a plan.
- AllCare Advantage Redwood Rx (HMO D-SNP)AllCare Advantage · H3810-023Offered in Oregon
- ATRIO Special Needs Plan (HMO D-SNP)ATRIO Health Plans · H3814-007Offered in Oregon
- ATRIO Special Needs Plan (HMO D-SNP)ATRIO Health Plans · H3814-030Offered in Oregon
- PacificSource Oregon Dual Rx (HMO D-SNP)PacificSource Medicare · H3864-043Offered in Oregon
- Samaritan Dual Advantage (HMO D-SNP)Samaritan Advantage Health Plans · H3811-003Offered in Oregon
- Wellcare Trillium Health Plan Dual Select Sync (HMO D-SNP)Wellcare · H2174-001Offered in Oregon
Common questions
6 answers about this plan
What does CareOregon Advantage Plus (HMO D-SNP) cover?
CareOregon Advantage Plus (HMO D-SNP) is a Dual Eligible Special Needs Plan, a Medicare Advantage plan for people who have Medicare and a Medicaid category the plan accepts. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 6 formulary tiers. Published supplemental benefits include vision (Routine vision benefit), over-the-counter (OTC) ($70/quarter OTC allowance), and fitness ($0 fitness benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.
Learn about Medicare AdvantageHow much does CareOregon Advantage Plus (HMO D-SNP) cost in 2027?
The published 2027 monthly plan premium for CareOregon Advantage Plus (HMO D-SNP) is $0. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The listed Part D deductible is $700. The in-network medical out-of-pocket maximum is $9,850; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $0. Member costs can depend on the Medicaid category the plan accepts and verifies. These figures are plan data, not a personal yearly-cost estimate.
Understand Medicare drug-cost limitsCan I use my current doctors with CareOregon Advantage Plus (HMO D-SNP)?
CMS lists CareOregon Advantage Plus (HMO D-SNP) as a HMO plan. The plan record says specialist referrals are not required. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.
Check your doctorsDo I qualify for CareOregon Advantage Plus (HMO D-SNP)?
CareOregon Advantage Plus (HMO D-SNP) is listed in the current plan record as a D-SNP. You must be entitled to Medicare Part A, enrolled in Part B, and have a Medicaid category this plan accepts. The plan must verify your Medicaid status. Eligibility alone does not create a year-round right to enroll.
Learn about Medicare Savings ProgramsWhat extra benefits does CareOregon Advantage Plus (HMO D-SNP) offer for dual-eligible members?
The current plan record for CareOregon Advantage Plus (HMO D-SNP) lists vision (Routine vision benefit), over-the-counter (OTC) ($70/quarter OTC allowance), and fitness ($0 fitness benefit). Member costs can depend on the Medicaid category the plan accepts and verifies. The record identifies Part D prescription drug coverage. Review the plan documents for benefit limits, eligibility rules, and how Medicare and Medicaid coverage work together.
When can I enroll in CareOregon Advantage Plus (HMO D-SNP)?
CareOregon Advantage Plus (HMO D-SNP) is a 2027 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. Because this is a D-SNP, the plan must also verify its eligibility requirements. A qualifying circumstance may create a Special Enrollment Period, but eligibility alone does not guarantee a year-round right to enroll. Confirm the enrollment window and effective date that apply to you before changing coverage.
Review Medicare enrollment periodsPlan documents
Summary of Benefits and Evidence of Coverage
- Summary of Benefits (PDF)Download the plan's official Summary of Benefits document
- Evidence of Coverage (PDF)Complete plan details and rules
- Check Your DoctorsSee if your doctors accept this plan
- Documentos en españolLlame a The Pocket Protector al 1-866-764-3312 (TTY: 711) para recibir ayuda con documentos en español
Enter your ZIP code to see how you can enroll
Enrollment options depend on where you live. Enter your ZIP code so we can show the right ways to enroll in this plan.