If you’re trying to understand Medicare and want to talk with a real person locally, that’s exactly what I do.

My name is Katie Sutton, known locally as Miss Katie Your Insurance Lady. I help people in Billings understand Medicare so they can choose coverage that fits their health needs and budget.

Turning 65 or enrolling in Medicare can feel confusing. There are a lot of letters, deadlines, and plan choices. Many people in Billings want someone local they can ask questions.

That’s where I come in.

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I’m a licensed insurance agent who helps people in Billings and surrounding Montana communities understand their Medicare options.

I sit down with people every week who are asking questions like:

• Do I need to enroll in Medicare at 65?
• What if I’m still working?
• What’s the difference between Medicare Advantage and a Supplement?
• Will my doctors at Billings Clinic or Intermountain Health be in network?
• How much will prescriptions cost?
• Do I need a prescription drug plan
• What happens to my spouse if I leave a group plan
• Can I move from a Supplement to Advantage? How about from Advantage to a Supplement?
• What if I don’t have an prescriptions, do I need a prescription drug plan?
• I’m in Medicare but I’m not 65 yet, what coverage options do I have?

These are good questions. And the truth is, the answer is different for each person.

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What I Help People With

When we meet, we go through your situation step-by-step.

We talk about:

• When you should enroll in Medicare
• What Parts A, B, C, and D mean
• Medicare Advantage vs Medicare Supplement plans
• Prescription drug coverage
• Doctor and hospital networks in Billings
• Monthly costs and out-of-pocket protection

My job is to help you understand your choices so you can make a confident decision.

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Why Work With a Local Medicare Agent?

Medicare plans can look similar on paper, but local knowledge matters.

Because I live and work in Billings, I understand:

• which plans local doctors accept
• how the hospitals work with different networks
• the questions people here are asking

Most importantly, you have a real person you can call when something changes.

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When Should You Ask Medicare Questions?

The best time to start asking questions is before you turn 65. or when talking to Social Security about eligibility.

Many people schedule a meeting about three to six months before their birthday so they understand their options ahead of time.

But I also help people who are:

• retiring from an employer plan
• moving to Montana
• reviewing their Medicare plan each year
• entering Medicare at an age earlier than 65
• change in medicaid status
• wanting prescription drug help
• experiencing a rise in supplement costs making current coverage options unaffordable
• wanting to understand their penalties and fines; or how to avoid them

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Talk With Miss Katie

If you have Medicare questions in Billings and surrounding areas, I’m happy to help.

You can call, message, or schedule a time to meet over the phone or in person.

With enough notice I can come to you, or your loved ones home, to help you navigate Medicare smoother.

Katie Sutton
Miss Katie Your Insurance Lady
Billings, Montana

406-790-9040