Medicare Coverage Guidance

Medicare guidance made simple.

Learn how Medicare works, understand the major coverage paths and get personal support from Yvette when you are ready to compare options.

  • ✓Clear explanations of Original Medicare, Medicare Advantage, Medigap and Part D.
  • ✓Help reviewing doctors, prescriptions, benefits and plan costs.
  • ✓No-cost consultation with a licensed Medicare broker.
Schedule With Yvette
Ins Made Easy Medicare Specialist

Yvette Montgomery

Yvette helps Medicare beneficiaries understand their coverage options and navigate enrollment decisions with personal support.

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(253) 802-8823 Tap to call Yvette on mobile
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Personal Plan Guidance Review benefits, providers, medications and costs
✓ Licensed Guidance
◉ No-Cost Consultation
⇄ Multiple Plan Types
♥ Personal Support
Start With the Basics

Understanding Medicare does not have to feel overwhelming

Medicare has several parts and plan types, and each one serves a different purpose. This introductory CMS video explains the basic parts of Medicare before you begin comparing coverage.

After watching, Yvette can help you apply those basics to your own doctors, prescriptions, budget and coverage priorities.

Educational video: “Get Started: Parts of Medicare.”

Medicare Coverage Basics

What the main parts of Medicare generally cover

These building blocks help explain how Medicare coverage is organized.

A

Part A — Hospital Insurance

Helps cover eligible inpatient hospital care, skilled nursing facility care, hospice care and certain home health services.

B

Part B — Medical Insurance

Helps cover eligible physician services, outpatient care, preventive services and certain medical equipment.

D

Part D — Prescription Drug Coverage

Prescription drug coverage is offered through private plans approved by Medicare and varies by plan.

Coverage Paths

Medicare plan options we help you understand

The right path depends on your needs, location, providers, prescriptions and preferences.

Medicare Advantage

Private plans that provide Medicare Part A and Part B benefits and may include prescription drug coverage or additional benefits.

  • Plan networks and rules may apply
  • Benefits and costs vary by plan
  • Availability varies by service area

Medicare Supplement

Also called Medigap, these policies may help pay certain out-of-pocket costs left by Original Medicare.

  • Works alongside Original Medicare
  • Does not replace Part A or Part B
  • Availability and underwriting rules can vary

Prescription Drug Plans

Standalone Part D plans can add prescription drug coverage to Original Medicare and certain other Medicare arrangements.

  • Drug lists vary by plan
  • Pharmacy networks may differ
  • Costs depend on the plan and medications
Eligibility and Timing

When should you begin learning about Medicare?

Approaching Medicare Eligibility

Many people first become eligible around age 65, while some qualify earlier because of certain disabilities or health conditions.

  • Start learning before your expected eligibility date
  • Understand how current employer coverage may affect timing
  • Do not assume every person has the same enrollment path

Already Enrolled in Medicare

Your needs can change over time. It may be useful to review coverage when your prescriptions, providers, health needs or plan benefits change.

  • Review annual plan notices carefully
  • Confirm doctors and prescriptions each year
  • Ask about applicable enrollment periods before changing plans
How Ins Made Easy Helps

A clear Medicare review process

1

Share Your Needs

Tell Yvette about your coverage, doctors and medications.

2

Review Options

Compare applicable benefits, networks and plan costs.

3

Ask Questions

Get clear explanations before making a decision.

4

Complete Enrollment

Receive guidance through the appropriate enrollment process.

Frequently Asked Questions

Common Medicare questions

It is wise to begin learning before your expected eligibility date. Your current coverage, work status and personal situation can affect timing.
Medicare Advantage is an alternative way to receive Medicare Part A and Part B benefits through a private plan. Medigap works alongside Original Medicare and may help with certain out-of-pocket costs.
Your need for prescription drug coverage depends on your Medicare arrangement and medications. Late-enrollment rules may also matter, so review your situation carefully.
Provider access depends on the coverage type and plan. Always check the applicable provider directory and confirm participation directly.
There is no consultation fee to speak with Yvette about available Medicare coverage options.
Not always. Changes generally must be made during an applicable enrollment period or after a qualifying event that creates a special enrollment opportunity.

Ready to talk through your Medicare options?

Request help, call Yvette or schedule a Medicare consultation.

Call Yvette

We do not offer every plan available in your area. Currently we represent multiple organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all your options.

Plan availability, eligibility, benefits, formularies, provider networks, premiums and cost sharing vary by plan, service area and applicant. Submitting a request or scheduling a consultation does not create coverage.