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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
✅ Prescription drug coverage is purchased separately through Part D
Medicare Advantage (Part C)
May be a good fit for: People comfortable with provider networks who want lower premiums and additional benefits.
✅ Receives your Part A & Part B benefits through a Medicare-approved private insurer
✅ Usually restricted to a network of providers
✅ Some plans have a $0 monthly plan premium; your Part B premium still applies
✅ Out-of-pocket costs vary by plan and usage
✅ 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.
Medicare Supplement Has Different Enrollment Rules
Your six-month Medigap Open Enrollment Period begins the first month you’re both 65 or older and enrolled in Part B. Outside that window, medical underwriting may apply unless you have guaranteed-issue rights or other protections. Returning from Medicare Advantage to Original Medicare does not automatically guarantee acceptance into a Medigap policy. We’ll help you check before making a change.
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.
Eligible participants pay $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?
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 on your coverage needs and budget. Medigap works alongside Original Medicare to help pay certain deductibles, copayments, and coinsurance. Benefits vary by plan. We’ll help you compare the monthly premium and remaining out-of-pocket costs so you can decide whether it fits your situation.
Does Medicare cover GLP-1 weight-loss drugs?
Certain eligible people with Medicare Part D can access covered weight-loss medications through the Medicare GLP-1 Bridge program for a $50 monthly copayment. Eligibility requirements apply. See the section above for the Medicare.gov link, and talk with your doctor about whether you qualify.
Can I change my Medicare plan after I enroll?
Yes, during certain enrollment periods. You can change Medicare Advantage and Part D coverage during the Annual Election Period, October 15–December 7. Other opportunities may apply depending on your situation. We help you review your coverage each year and explain when you can make changes.
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 helps cover prescription drugs. Each plan has its own covered-drug list, pharmacy options, and costs. We compare how available plans cover your medications, including pharmacy options and estimated costs.