Choose Your Starting Point
Use these quick links to jump to the Medicare topic that best fits your situation.
Start Here
A simple starting point for people who are new to Medicare.
Turning 65 Medicare Guide
Learn what to do before your 65th birthday and when to enroll.
Enrollment & Eligibility
Review enrollment periods, deadlines, and special situations.
Medicare Costs
Understand premiums, deductibles, IRMAA, and cost sharing.
How Medicare is Structured
Medicare is made up of several parts, each covering a different piece of your healthcare. Original Medicare covers hospital and medical services, Medicare Advantage offers plan-based alternatives, Medigap helps with out-of-pocket costs, and Part D helps cover prescription drugs. Your enrollment timing, costs, and plan choices can vary based on your age, work status, and current coverage.
Browse Medicare Topics
Explore the major parts of Medicare and choose the section that matches the questions you have today.
Original Medicare
Learn how Parts A and B work and what Original Medicare does not cover.
Medicare Supplement
Understand Medigap enrollment, underwriting, and plan comparisons.
Medicare Advantage
Review HMO, PPO, Special Needs Plans, and how provider networks work.
Prescription Drug Coverage
Review formularies, coverage phases, and annual plan review.
Enrollment & Eligibility
Review Initial, Annual, General, and Special Enrollment Periods, and understand when you qualify for Medicare coverage.
Medicare Costs & Coverage
See Original Medicare costs, IRMAA, deductibles, and cost-sharing basics so you understand what to expect.
Financial Assistance
Explore information about Extra Help Part D-Low Income Subsidy (LIS), Medicare Savings Programs, and Medicaid coordination.
Employer Coverage & Medicare
Learn how Medicare works with active employer coverage, HSA, COBRA, and retiree coverage.
Need Medicare Help in Montana?
Find local Medicare guidance, educational seminars, and office support for Billings, Bozeman, and surrounding Montana communities.
Montana Medicare Guide
Explore Montana-specific Medicare information and local guidance.
Medicare Help in Billings
Local Medicare help for Billings and the Yellowstone County area.
Medicare Help in Bozeman
Local Medicare help for Bozeman and the Gallatin County area.
Medicare 101 Seminars
Learn about upcoming seminar opportunities in Billings, Montana.
Understanding Medicare Costs
Medicare costs can include premiums, deductibles, copays, coinsurance, and income-related adjustments. Review the key cost topics below to better understand how expenses may apply to your coverage.
Medicare Costs 2026
Review the current year’s Original Medicare premiums and cost sharing amounts.
IRMAA
Learn when higher-income beneficiaries may pay more for Medicare.
Cost Sharing
Understand deductibles, copays, coinsurance, and out-of-pocket exposure.
Attend a Medicare 101 Seminar
Our Medicare 101 seminars explain how Medicare works, when to enroll, and what to compare before making coverage decisions.
See Upcoming Seminars
View our upcoming Medicare 101 educational seminars.
Request a Private Seminar
Schedule an individual Medicare 101 educational appointment.
Need Help Choosing Medicare Coverage?
Schedule a Medicare review to talk through your timeline, current coverage, and the options that may fit your needs.
Request a Coverage Review
Review your Medicare Coverage options with a licensed agent.
Contact Our Billings or Bozeman Office
Please call our office for assistance.
Important Disclosure:
Roger L. Daniel Insurance is a licensed insurance agency and is not affiliated with, endorsed by, or connected with the U.S. government or the federal Medicare program. This information is provided for educational purposes only and should not be treated as a complete description of Medicare benefits, rules, or plan options.