Medicare Questions and Answers for Oregon Seniors
Confused by Medicare? You’re not alone—here are real answers to the questions Oregon seniors ask most, in clear, simple language you can trust.
Frequently Asked Medicare Questions—Answered Simply
Does it cost anything to work with a Medicare insurance broker?
No, it’s free. You never pay extra for Medicare advice or enrollment help from Corwin Insurance—your premium is the same as going direct.
When can I enroll in Medicare?
Most people enroll around age 65. Your Initial Enrollment Period is 3 months before, your birth month, and 3 months after turning 65. You can also join during the Annual Election Period (Oct 15–Dec 7) to switch plans. If you qualify due to disability or special circumstances, you may have other enrollment windows—ask for details.
What’s the difference between Medicare Advantage and Medicare Supplement?
Compare Advantage vs SupplementMedicare Advantage (Part C) bundles coverage with extra benefits, but you use a network of local providers. Medicare Supplement (Medigap) works with Original Medicare and lets you see any provider nationwide who accepts Medicare. You can’t have both at the same time, and each has pros and cons for cost, coverage, and doctor choice.
Does Medicare cover dental, vision, or hearing?
See Dental & Vision PlansOriginal Medicare does not cover routine dental, vision, or hearing care. Many Medicare Advantage plans include some coverage, and standalone plans are available to fill the gap.
What is the Medicare Part D penalty?
If you don’t enroll in a Part D prescription drug plan when you’re first eligible (and don’t have other credible coverage), you may pay a penalty. It’s about 1% of the base premium for every month you delay, and the penalty usually lasts as long as you have Part D.
I’m still working at 65—should I sign up for Medicare?
If your employer has 20+ employees, you can delay Part B (and avoid the premium) with no penalty as long as you have group health coverage. Many people sign up for Part A since it’s often free. Always check with your HR department or call us for advice based on your situation.
Can I switch my Medicare plan later if I don’t like it?
Yes—there are windows to change. You can switch Medicare Advantage or Part D plans during the Annual Election Period each fall. Oregon also has a Medigap “birthday rule,” letting you switch Medigap plans around your birthday with fewer restrictions.
Do you offer plans for people on both Medicare and Medicaid (Oregon Health Plan)?
Yes, there are Dual Special Needs Plans (DSNPs) designed for people with both Medicare and Medicaid. We help with these plans, or can refer you to Oregon SHIBA for more support.
What if I move to another state?
Medicare Supplement (Medigap) works anywhere in the U.S. Medicare Advantage and Part D plans are regional, so you’ll likely need a new plan after moving. We can help you make the switch and find coverage in your new state.
How do I schedule an appointment with you?
Just call us at 541-928-6196 or use our online scheduling tool to book a free consultation. Meetings usually take about an hour—bring your Medicare card and a list of prescriptions. We offer in-person, phone, and virtual visits for your convenience.
Still Have Questions? Just Ask!
No question is too simple or too specific—Medicare is complex, and it’s normal to feel uncertain. We’re here to make things clear and easy, whether you’re just getting started or comparing plans. Reach out by phone, email, or online form, and get friendly, no-obligation guidance from a local expert.