Medicare Guide: Understanding Your Coverage Options
Simple, clear answers to help you understand your Medicare options
LICENSED IN FIVE STATES
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Medicare 101: The Basics
Medicare is a federal health insurance program designed primarily for people age 65 and older. It also covers certain individuals under 65 who qualify due to a disability or specific medical conditions.
Medicare helps cover many healthcare costs, including hospital stays, doctor visits, and prescription medications, depending on the coverage you choose.
Who Qualifies for Medicare?
✔ Are age 65 or older
✔ Are under 65 with a qualifying disability
✔ Have certain medical conditions that meet eligibility requirements
Angela McCoy is a licensed, independent private insurance broker serving seniors across five Southern states. She shops multiple carriers to find coverage that fits your doctors, your prescriptions, and your life — at no cost to you.
Angela is a private licensed broker. Not a government agency. Not affiliated with Medicare.gov.
Plans Angela Can Help You Understand and Compare
As an independent private broker, Angela works with multiple insurance carriers to present options across all federally available plan types.
🟣 Part C - Medicare Advantage Plans
CMS-approved private insurance offered as an alternative way to receive Medicare benefits. Plans vary significantly by county — Angela finds what is available in your specific area.
✔ May bundle Parts A, B, and D together
✔ HMO and PPO network options available
✔ Angela compares all options in your county
✔ May include dental, vision, and hearing coverage
✔ Some plans carry no monthly premium
✔ May bundle Parts A, B, and D together
✔ HMO and PPO network options available
✔ Angela compares all options in your county
✔ May include dental, vision, and hearing coverage
✔ Some plans carry no monthly premium
🟣 Medicare Supplement (Medigap) Plans
Sold by private insurance companies to help cover costs not paid by Original Medicare Parts A and B. Angela shops multiple carriers on your behalf.
✔ Helps cover deductibles and co-insurance
✔ Standardized plans compared across multiple carriers
✔ Predictable monthly costs
✔ Works with any Medicare-accepting doctor nationwide
✔ No network restrictions
✔ Helps cover deductibles and co-insurance
✔ Standardized plans compared across multiple carriers
✔ Predictable monthly costs
✔ Works with any Medicare-accepting doctor nationwide
✔ No network restrictions
🟣 Part D - Prescription Drug Plans
Part D Coverage - Offered by private insurers approved by CMS to help cover the cost of your prescriptions. Angela compares formularies to ensure your medications are covered.
✔ Standalone plans that pair with Supplement coverage
✔ Guidance on avoiding late-enrollment penalties
✔ Low-income subsidy guidance available
✔ Formulary comparison across carriers
✔ Annual review to ensure continued best fit
Plan availability and benefits vary by county. Angela will look up exactly what is available in your zip code.
Missing your enrollment window can result in a permanent late-enrollment penalty. Angela will help you enroll at the right time.
When Can You Enroll or Make Changes?
Medicare enrollment happens during specific time periods throughout the year. Understanding when you can enroll or make changes to your coverage can help you avoid gaps and choose the plan that best fits your needs.
Key Periods
🟣 Initial Enrollment Period
This is when you first become eligible for Medicare, typically around your 65th birthday. It includes the months before, during, and after you turn 65.🟣 Annual Enrollment Period (October 15 – December 7)
During this time, you can join, switch, or drop Medicare plans. It’s a good opportunity to review your coverage and make changes based on your current needs.🟣 Medicare Advantage Open Enrollment (January 1 – March 31)
If you are already enrolled in a Medicare Advantage plan, you can make a one-time change during this period if your current plan no longer fits your needs.Because plans and benefits can change each year, reviewing your coverage during these periods can help ensure you continue to receive the best value and care.
Simple. Clear. Completely Free.
Step 1:
You Reach Out
Complete the short form on the contact page for prompt response. There is no need to call. Angela will come to you.
Step 2:
Angela Researches Your Options
She reviews the plans available in your area, cross-referencing your doctors, medications, and budget across multiple carriers.
Step 3:
You Receive Clarity
Angela explains your options in plain English. You decide what is right for you. No pressure. No obligation. Ever.
Extensively Vetted. Carefully Selected.
Angela works with a broad panel of CMS-approved insurance carriers — not one company, not one agenda. The following carriers represent options she can access and compare on your behalf in Texas, her home state. Availability varies by county across all five states she serves.
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Medicare Advantage — Part C
Aetna Medicare
Alignment Health Plan
Anthem Blue Cross Blue Shield
Baylor Scott and White Health Plan
Blue Cross Blue Shield of Texas
Cigna Healthcare
Devoted Health
Freedom Health
GlobalHealth
Healthy Blue
Humana
KelseyCare Advantage
Molina Healthcare
Mutual of Omaha
Optimum HealthCare
SCAN Health Plan
Simply Healthcare
UnitedHealthcare
Wellcare
WellPoint
SCAN Health Plan
Simply Healthcare
UnitedHealthcare
Wellcare
WellPoint
Medicare Supplement — Medigap
Aetna Health Insurance Company
American Benefit Life Insurance Company
Blue Cross Blue Shield of Texas
Cigna National Health Insurance Co
Family Life Insurance Company
Forethought Life Insurance
Guarantee Trust Life Insurance
Manhattan Life Insurance
Massachusetts Mutual Life Ins.
Forethought Life Insurance
Guarantee Trust Life Insurance
Manhattan Life Insurance
Massachusetts Mutual Life Ins.
Medico Life and Health Insurance
Mutual of Omaha Insurance Company
Oxford Life Insurance Company
UnitedHealthcare Insurance Co.
Mutual of Omaha Insurance Company
Oxford Life Insurance Company
UnitedHealthcare Insurance Co.
Part D — Prescription Drug Plans
Aetna Medicare
Blue Cross Blue Shield of Texas
Cigna Healthcare
Humana
Mutual of Omaha Rx
SilverScript Insurance Company
Mutual of Omaha Rx
SilverScript Insurance Company
UnitedHealthcare
Wellcare Prescription Insurance
WellDyne
Common Questions About Medicare
Here are answers to some of the most common questions people have when getting started with Medicare. Understanding these basics can help you feel more confident as you explore your options.
🟣 When can I enroll in Medicare?
Your Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after. Missing it can result in permanent penalties — Angela will help you plan ahead.
🟣 What is the difference between Medicare Advantage and Medigap?
Medicare Advantage is an alternative way to receive Medicare benefits through a private plan. Medigap supplements Original Medicare by paying costs it does not cover. Angela will explain both and help you choose.
🟣 Can I switch plans after I enroll?
Yes. During Medicare Open Enrollment (October 15 through December 7) you can switch plans. Angela provides annual reviews to make sure your plan still fits your needs.
🟣 Do I need Part D if I do not take medications?
Enrolling in a low-cost Part D plan even if you do not currently take medications is often advisable to avoid late-enrollment penalties should you need medications in the future.
🟣 Can I keep my current doctor?
It depends on the plan you choose. Some plans require you to use a network of doctors, while others offer more flexibility. Angela can help you review your options based on your preferences.
🟣 What does Medicare cost?
Costs can vary depending on the coverage you select. Some parts of Medicare have premiums, while others involve deductibles, copayments, or coinsurance.
🟣 What if I already have health insurance?
If you have coverage through an employer, union, or other source, your Medicare choices may be different. It’s important to understand how your current plan works with Medicare.
Take the Next Step with Confidence
Choosing the right Medicare coverage is an important decision—but you don’t have to make it alone. Angela McCoy with Passionate Heart Health Agency is here to help you understand your options, compare plans, and move forward with confidence.
No cost. No pressure. Just clear answers and personalized guidance.