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Understanding Your Options With a Medicare Insurance Broker
Medicare has four main parts — and knowing how they work together is the first step to choosing coverage that fits your doctors, prescriptions, budget, and needs.
Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people pay no Part A premium if they or a spouse paid Medicare taxes long enough.
Part B: Medical Insurance
Covers doctor visits, outpatient care, preventive services, durable medical equipment, and other medically necessary services. Part B usually has a monthly premium, deductible, and coinsurance.
Part C: Medicare Advantage
A private insurance alternative to Original Medicare that bundles Part A, Part B, and usually Part D into one plan. Many Medicare Advantage plans also include additional benefits such as dental, vision, hearing, transportation, or fitness benefits.
Part D: Prescription Drug Plans
Standalone prescription drug plans that help cover medication costs. Part D is often added separately when you have Original Medicare with a Medicare Supplement plan.
What To Expect From Us
We review your doctors, prescriptions, pharmacy preferences, budget, and travel habits before comparing Medicare Advantage, Medicare Supplement, and Part D options available in your area.
Medicare plan availability can vary by county, carrier, provider network, prescription list, and pharmacy. As an Oklahoma-based agency licensed in Oklahoma, Texas, and Florida, we help you compare the Medicare options available where you live.
Medicare Supplement vs. Medicare Advantage — Which May Fit Your Situation?
This is one of the most common questions we get. The honest answer: it depends on your health, budget, doctors, prescriptions, and how you like to use your coverage.
Medicare Supplement (Medigap)
May be a good fit for: People who want predictable costs and broad provider access.
✅ Works alongside Original Medicare Parts A & B
✅ See any doctor who accepts Medicare - no networks
✅ Very predictable out-of-pocket costs
✅ Higher monthly premium
✅ Generally no extra benefits
Medicare Advantage (Part C)
May be a good fit for: People comfortable with provider networks who want lower premiums and additional benefits.
✅ Medicare Advantage is an alternative way to receive your Medicare Part A and Part B benefits through a private insurance company approved by Medicare.
✅ Usually restricted to a network of providers
✅ Out-of-pocket costs vary by plan and usage
✅ Often $0 or very low monthly premium
✅ Often includes dental, vision, and hearing
Not sure which fits your situation? That's exactly what we're here for — and the consultation is free.
When Can You Enroll?
Medicare has specific windows for enrolling or making changes to your coverage — and missing them can result in permanent penalties.
Initial Enrollment Period (IEP)
A 7-month window that starts 3 months before your 65th birthday month, includes your birthday month, and extends 3 months after. This is the best time to enroll — waiting can result in permanent late penalties.
Special Enrollment Period (SEP)
Triggered by qualifying life events such as losing employer coverage, moving, or losing Medicaid eligibility. Allows you to make changes outside of normal enrollment windows.
Annual Election Period (AEP)
October 15 – December 7 each year. This is when you can switch, add, or drop Medicare Advantage and Part D plans. Changes take effect January 1.
Open Enrollment Period (OEP)
January 1 – March 31. If you're already enrolled in a Medicare Advantage plan, you can switch to a different Advantage plan or return to Original Medicare.
Meet Charlie, Your Friendly Medicare Helper
Charlie is available 24/7 to answer simple Medicare questions, explain the basics in plain English, and help you get ready for your free Medicare consultation — no pressure, no obligation.
Some of the Medicare Carriers We Work With
As an independent Medicare agency, we're not tied to any single plan. We compare options from many of Oklahoma, Texas, and Florida's most trusted Medicare carriers, so you can compare available options and make a more informed decision.
Allstate · Aetna · CommunityCare · BlueCross BlueShield · Devoted Health · Humana · HealthSpring · Physicians Mutual · MetLife · Mutual of Omaha · Transamerica · UnitedHealthcare
These are just some of the Medicare carriers we're appointed with — we work with additional companies depending on your state, coverage type, and situation. Plans and carrier availability vary by state, county, and product type. CYA Insurance Agency is an independent agency and is not affiliated with or endorsed by any carrier listed above.
NEW FOR 2026
Medicare GLP-1 Bridge: GLP-1 Weight-Loss Drugs for $50 a Month
A new Medicare program — effective July 1, 2026
Starting July 1, 2026, Medicare launched a program called Medicare GLP-1 Bridge to help certain enrollees pay for specific GLP-1 weight-loss medicines at a flat, predictable price.
Your cost is $50 per month — no matter your income level. This payment does not count toward your Part D deductible or yearly out-of-pocket limit, and these drugs aren't eligible for the Medicare Prescription Payment Plan.
Which drugs are covered?
Foundayo® (tablet)
Wegovy® (injection or tablet)
Zepbound® — KwikPen® only. The single-dose Zepbound® pen and Zepbound® vials are NOT covered.
Am I eligible? (You must meet all four)
1. You have Medicare Part D drug coverage
Through a standalone Medicare Drug Plan or a Medicare health plan that includes drug coverage. You're not eligible if your only coverage is a private fee-for-service plan, cost contract plan, or PACE organization.
2. You're not already eligible for a GLP-1 through your Medicare drug plan
If you've been using a GLP-1 paid for by your plan for any reason, keep getting it through your plan. GLP-1 active ingredients: semaglutide, tirzepatide, orforglipron, dulaglutide, liraglutide.
3. You don't have type 2 diabetes, moderate-to-severe sleep apnea, or fatty liver disease
If you have any of these, contact your Medicare drug plan; they may already cover a GLP-1 for you.
4. You're at least 18, and at least one is true
BMI of 35 or higher; OR BMI of 30 or higher with certain heart failure, high blood pressure that's hard to control, or chronic kidney disease (stage 3a or above); OR BMI of 27 or higher with prediabetes, or a prior heart attack, stroke, or blocked arteries in the legs or arms.
How to get GLP-1 drugs through the program
1. Talk to your doctor about whether a GLP-1 drug is right for you and whether you qualify.
2. If a covered drug is right for you, your doctor sends a prescription to the pharmacy.
3. Your pharmacy may contact you for your Medicare ID number (or look it up using the last four digits of your Social Security number).
4. Once eligibility is confirmed, your doctor submits a form to get Medicare's approval.
5. You'll receive a letter from Medicare confirming coverage.
6. Pick up your medicine and pay $50 for a one-month supply. Refills need no new approval on the same drug, even if your dose changes.
For general information only. Talk to your doctor to find out whether this program is right for you. Eligibility, covered drugs, and pricing are set by Medicare and may change — confirm current details at Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). CYA Insurance Agency is a licensed independent insurance brokerage. We are not affiliated with, endorsed by, or connected to Medicare, CMS, or any government agency. Source: CMS Product No. 12234, June 2026. Last updated: July 2026.
Medicare FAQs
Have questions about Medicare? Here are the ones we hear most.
When can I sign up for Medicare?
Most people enroll when they turn 65. Your Initial Enrollment Period (IEP) is a 7-month window — 3 months before your birthday month, your birthday month, and 3 months after. Missing this window without qualifying coverage can result in permanent late enrollment penalties.
What's the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A & B) is the federal program covering hospital and medical services. Medicare Advantage (Part C) is an alternative offered through private insurers that often bundles in Part D drug coverage and extra benefits like dental and vision. We help you compare both so you can make a more informed decision based on your situation.
Do I need a Medicare Supplement (Medigap) plan?
It depends. Original Medicare leaves significant cost-sharing gaps — Medigap plans fill those gaps so you pay little to nothing out of pocket. If you travel frequently, see specialists often, or want predictable costs, Medigap is worth a close look.
Does Medicare cover GLP-1 weight-loss drugs?
For years, Medicare didn't cover GLP-1 medications prescribed for weight loss alone. That changed on July 1, 2026: the new Medicare GLP-1 Bridge program lets eligible enrollees get certain covered GLP-1 drugs — including Wegovy®, Zepbound® (KwikPen® only), and Foundayo® — for $50 a month, no matter their income. Eligibility depends on your Part D coverage, your BMI, and certain health conditions. See the Medicare GLP-1 Bridge section above for the full details, or reach out and we'll help you figure out whether you qualify.
Can I change my Medicare plan after I enroll?
Yes — during certain enrollment periods. The Annual Election Period (AEP) runs October 15 – December 7 each year and lets you switch plans for the following year. There are also Special Enrollment Periods for qualifying life events. We monitor your options every year so you're never stuck in the wrong plan.
Is there a cost to work with a Medicare broker?
No — our services are completely free to you. We're compensated by the insurance carrier when you enroll, which means you get expert guidance and plan comparisons at no additional cost.
What does Medicare Part D cover?
Part D covers prescription drugs. Plans vary widely in which drugs they cover and at what cost. We review your specific medications against available plans to make sure you're not overpaying at the pharmacy.