Senior Health Insurance Benefits Assistance (SHIBA)
Free, unbiased Medicare counseling in Oregon. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Medicare Savings Programs in Oregon
Oregon's Medicare Savings Programs, run by the Oregon Department of Human Services, pay your Medicare Part B premium, and with QMB also your Part A premium, deductibles and coinsurance.
Oregon has no savings limit for these programs, so only your income counts. You can apply online at one.oregon.gov, through your local ODHS office, or by calling the Aging and Disability Resource Connection.
How to apply in Oregon
- By phone
- 1-855-673-2372
- In person
- At your local Oregon Department of Human Services (ODHS) office. ODHS has an office finder on its website.
- By mail
- Call the ONE Customer Service Center at 1-800-699-9075 to have an application mailed to you.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in Oregon
| 2026 figures | One person | Married couple |
|---|---|---|
| QMB income limit | $1,330 a month (after the first $20 of income is set aside) | $1,804 a month (after the first $20 of income is set aside) |
| SLMB income limit | $1,596 a month (after the first $20 of income is set aside) | $2,164 a month (after the first $20 of income is set aside) |
| QI (SMF) income limit | $1,796 a month (after the first $20 of income is set aside) | $2,435 a month (after the first $20 of income is set aside) |
| Savings limit | No limit | No limit |
What you may get
| What QMB pays | Your Medicare Part A and Part B premiums, deductibles and coinsurance |
|---|---|
| What SLMB pays | Your Part B premium |
| What QI (SMF) pays | Your Part B premium |
How Oregon is different
Where Oregon's rules differ from the federal rules for Medicare Savings Programs.
- No savings limit
Good to know
- Oregon lists the poverty-level amounts and subtracts $20 from your gross income first, so the $1,330 QMB limit lines up with the federal $1,350 (and the same for the other limits).
- Oregon's limits run from March 2026 through February 2027.
- In Oregon the QI program is called the SMF benefit. Enrollment can close for the year if the state reaches its cap, and you can't get SMF if you qualify for any other Oregon Medicaid benefit.
Free help
Free help with this in Oregon
Aging and People with Disabilities
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Oregon
Medicare Savings Programs in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Oregon Department of Human Services, Medicare Savings Programs (official government site). Checked Oct 28, 2026.
- Oregon Department of Human Services, Medicare Savings Programs brochure (DHS 9017, 03/2026) (official government site). Checked Oct 28, 2026.
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