Frequently Asked Questions
Get Some Answers
What is Medicare Advantage (Part C)?
Medicare Advantage plans are an all-in-one alternative to Original Medicare. They usually include hospital, medical, and often prescription drug coverage, plus extra benefits like dental, vision, and hearing.
What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage replaces your Original Medicare with a private plan that bundles your coverage, while a Medicare Supplement works alongside Original Medicare to help cover costs like copays and deductibles.
Do I need a Prescription Drug Plan (Part D)?
If you take medications, a Part D plan can help lower your out-of-pocket costs. Even if you don’t take prescriptions now, enrolling may help you avoid late enrollment penalties later.
What are Medicare Savings Programs?
These are state-run programs that help eligible individuals pay for Medicare premiums and sometimes deductibles, copays, and coinsurance.
When can I enroll in a Medicare plan?
Most people enroll during their Initial Enrollment Period (around their 65th birthday). There are also Annual Enrollment Periods (October 15 – December 7) and Special Enrollment Periods for certain life events.
What happens if I miss my Initial Enrollment Period?
If you don’t sign up during your Initial Enrollment Period, you may face late enrollment penalties and have to wait until the next enrollment window to get coverage. There are some exceptions if you qualify for a Special Enrollment Period.
Does Medicare cover everything?
No. Original Medicare doesn’t cover all costs and typically doesn’t include services like dental, vision, hearing aids, or most prescription drugs. That’s why many people choose Medicare Advantage, Part D, or a Supplement plan for more complete coverage.
How much does Medicare cost?
Costs vary depending on the parts of Medicare you choose. While Part A is usually premium-free for most people, Parts B, D, and Medicare Advantage or Supplement plans may have monthly premiums, along with deductibles, copays, or coinsurance.
Can I have employer insurance and Medicare at the same time?
Yes. Many people keep employer coverage when they first become eligible for Medicare. Which plan pays first depends on the size of your employer, and it’s important to compare your options to avoid paying more than necessary.
What if I retire after 65—can I still get Medicare?
Yes. If you delay retirement and keep employer coverage past 65, you may qualify for a Special Enrollment Period to sign up for Medicare without penalties once your employer coverage ends.
How do I know which Medicare plan is right for me?
The best plan depends on your health needs, prescriptions, budget, and preferred doctors or hospitals. That’s where we come in—we review your options and guide you to the plan that fits you best.
Does it cost anything to work with Corso Group?
No. Our services are free to you. We’re licensed agents who help you compare plans, explain your benefits, and enroll in coverage at no additional cost.
Can I switch my Medicare plan later?
Yes. You can make changes during the Annual Enrollment Period, or during certain Special Enrollment Periods if you qualify.