Yulonda Clark, Medicare Insurance Agent
Yulonda Clark
Royalty Finanical Group
Medicare Agent Licensed in IL, AZ, GA, IN and TX
Contact Details
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Location
Chicago, IL
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Phone
About Me
I'm Yulonda, a licensed health insurance agent and AHIP-certified Medicare specialist serving clients in Illinois, Indiana, Texas, Georgia, and Arizona. I spent 35 years as a nurse, caring for patients and walking alongside families through some of the hardest moments in their health journeys. I've seen firsthand how the right coverage can make all the difference, and how confusing the system can be without someone in your corner.
Today, I help people turning 65, retirees, and families make sense of Medicare. Whether you're new to Medicare, have both Medicare and Medicaid, or just want to make sure your doctors and medications are still covered, I'll sit down with you, explain your options in plain language, and help you choose what fits your life and your budget.
My roots are on Chicago's South Side, but my reach goes further. Whether you're down the street or across the country, I can meet with you by phone or video. My help comes at no cost to you, and I'm here long after you enroll.
Q&A with Yulonda Clark
Humana covered six months of Spravato treatment in 2026 at no cost because of my low income. Will it sharply increase my Plan G premium even though I no longer need treatment?
Answer: Great question, and I'm glad you asked instead of worrying about it. Your premium won't go up because you used your benefits. That's what they're for. Supplement rates can go up a little each year because of age or rising healthcare costs, but never because of one person's claims.
I'd still like to take a look at your card and your coverage with you. Depending on your income, there may be programs that lower what you're paying now. Let's set up a time.
My mom takes a dozen medications, how do I check her drug plan still covers them next year?
Answer: That's a great question, and right now is the time to ask it. Plans change every year, so your mom's drugs could move to a higher tier or stop being covered in January.
Look for a letter from her plan called the Annual Notice of Change. It came in September and shows what's changing.
With 12 medications, though, it's a lot to sort through. Let me take that off your plate. I'll run all her medications through next year's plans and show you side by side what she'll pay. It costs you nothing. Annual Enrollment opens October 15, so let's get her on my calendar.
From your experience working with Medicare beneficiaries, what are the biggest warning signs that a doctor or healthcare provider may be involved in Medicare fraud, and what should beneficiaries do to protect themselves?
Answer: Pushing tests or equipment you don't need. As a nurse, I know care should match your condition. If a provider keeps pushing scans, tests, or a power wheelchair you don't need, ask why. Calls, texts, or door knocks out of nowhere. Medicare doesn't call you asking for your Medicare number. A good doctor's office isn't calling to sell you equipment you never asked for. Thirty-five years in nursing taught me that most providers are good people. It only takes one bad one to steal your benefits, though. I want my clients to know what to look for so they're never the ones caught off guard.
What are the reasons why I should work with a Medicare agent?
Answer: I spent 35 years as a nurse. I've seen what happens when people don't have the right coverage. I care about your health, not just the paperwork. I'm here after you enroll. Got a billing problem? Claim denied? Not sure what a letter means? You call me. You're not stuck on hold with an 800 number.