Katheryn Evans, Medicare Insurance Agent
Katheryn Evans
Strategic Sound Solutions
Medicare Agent Licensed in WA, AZ, CA, CO, FL, ID, IL, MI, MO, MT, NE, OK, OR, RI, TX and VA
31+ Years of Experience
Contact Details
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Location
Puyallup, WA
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Phone
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LinkedIn
Katheryn Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I am looking forward to helping you find the right Medicare plan for your individual needs and budget.
My mission is to find the solution that best suits your unique situation. I personally do the research and compare plans from the top national and local companies so you can have the peace of mind that an experienced insurance expert is working hard on your behalf!
It does not cost you anything to utilize my services. A broker is compensated by the insurance company. Clients pay the same amount whether they call a company directly or have a broker go through the Medicare options that are available.
I have been a licensed insurance agent for over 30 years, specializing in Medicare plans, individual medical, life insurance and annuities. I am committed to helping Medicare recipients understand the options that are available to them and to providing personalized service.
My Background includes:
• Serving in clinics and doctors’ offices as a Medicare advocate; assisting patients as well as staff with their Medicare questions and needs.
• Management role in a Fortune 500 insurance company: responsible for training field staff and managers on a national level.
• Board member of NAIFA (National Association of Insurance and Financial Advisors)
• Presenter at national, regional, and local conferences in the insurance/financial industry to fellow professionals, community business owners, and Medicare recipients.
• Master’s and bachelor's degree as well as three CA community college teaching credentials.
This experience and the many clients I have served has given me ample experience and knowledge to help clients meet their Medicare insurance needs; contact my office today for an appointment, I look froward to meeting you!
Directions to My Office
Q&A with Katheryn Evans
What do you like most about being a Medicare agent?
Answer: I love getting to know clients, listening to their hearts desires and helping them find the right solution for their Medicare needs. It is such a good feeling to see clients express satisfaction and relief after we meet. I also enjoy seeing their excitement as they look forward to using the extra benefits in their new plan.
What's the most frustrating misconception you have to clear up with clients about Medicare every year?
Answer: Sometimes clients do not realize that they must pay the Part B premium. There are certain circumstances (based on income) where the Part B premium is waived but most people do need to pay it.
Why are people leaving Medicare Advantage plans?
Answer: I have historically set clients up with a fairly even mix of Medicare Advantage and Medicare Supplement Plans.
I'm finding that I am getting more phone calls lately from people who have had Medicare Supplement plans for many years and want to change to a Medicare Advantage plan.
I think if we, as brokers, educate clients properly then they are able to make a clear, well thought out decision on which direction they want to go with their Medicare coverage; traditional Medicare and a Medicare Supplement or a Medicare Advantage Plan. There are benefits to both and there is a right answer for each person.
If we, as brokers, educate our clients well and then allow them to select the coverage that fits their personal financial situation and their personal value system then we will see a fairly even split between Medicare Supplements and Medicare Advantage plans.
Can Medicare help cover in-home care for dementia patients who wander or need supervision 24/7?
Answer: Medicare does not cover Long Term Care. 24/7 Supervision of a dementia patient is Long Term Care. There are strategies that can be employed. It is a good idea to talk to a broker about options available.
How might artificial intelligence change how Medicare approves claims in the future?
Answer: Artificial Intelligence can be a wonderful tool. However, it is important that we do not lose the human touch. Perhaps Artificial Intelligence will do the initial screenings and then a medical professional will look more closely at certain claims.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: The legislation granting the $2,000. out-of-pocket maximum for drug costs was put into effect this year (2025). It limits the amount any one person will pay out of pocket for the prescription drugs that are covered by their Medicare Insurance plan.
It is important to note that if a drug is not In Formulary (included in the plans list of covered drugs) then its cost is not counted towards the $2000. maximum. If a client has a prescription they must take that is not in their plans formulary, then they will want to ask for a Formulary Exception. If the Formulary Exception is approved, then the cost of that drug will count towards the $2000.
When a drug is approved through the Formulary Exception process it is typically placed in a higher or more expensive Tier. At that time, the client is able to ask for a Tier Exception. This could possibly lower the cost of that particular drug.
My doctor prescribed physical therapy, but I'm not sure how many visits Medicare will cover. How do I find out?
Answer: First of all, Physical Therapy must be considered Medically Necessary. Usually not more than 10 visit are approved unless there is additional documentation and a written treatment plan with performance tracking by the physical therapist to justify the need. There is also a cap on the overall dollar amount that can be spent.
How do I report a suspicious Medicare billing error without getting in trouble myself?
Answer: Call the number listed on the practitioner's bill and ask questions so you understand why they are asking for that specific dollar amount to be paid.
If you are not satisfied, call your insurance company and share your concern.
If you are still not satisfied call your state insurance commissioner and CMS and file a complaint.
Does Medicare Advantage cover acupuncture or alternative therapies in some plans?
Answer: Some Medicare Advantage plans cover non-Medicare acupuncture treatments and/or alternative therapies. Otherwise, these are not covered by Medicare.
Acupuncture to treat chronic low back pain is covered by Medicare.
How does Medicare Part B handle coverage for preventative screenings like mammograms?
Answer: Medicare allows an annual preventive care mammogram once a year for those over 40 years old.
Diagnostic mammograms, if medically necessary, may be covered more than once a year.
This is the link to all Medicare covered Preventative benefits. https://www.medicare.gov/coverage/preventive-screening-services