We Make Medicare Easy

Medicare is complicated, which is why we specialize in it! We understand that turning 65 and going onto Medicare is a big deal and its important that you make informed decisions at the right time to avoid problems in the future.

We NEVER charge any fees for our services and can help you with:

  • Getting Started With Medicare
  • Answer Your Questions and Simplify the Process
  • Review All of your supplemental plan options
  • Assist you with enrollment
  • Provide Ongoing Service & Support
  • Provide Annual Reviews at Open Enrollment
  • Provide Additional Resources to Save on RX costs

We Speak Medicare

Whether you are new to Medicare or just want to review your existing coverage we can help




Want to know the First 5 Things You Need to Do when going onto Medicare?

Products We Offer

  • Medicare Supplement Plans
  • Medicare Advantage Plans
  • Medicare Prescription Drug Plans
  • Travel Medical Policies
  • Dental & Vision

We only Work With Top A Rated Carriers

  • UnitedHealthCare
  • Anthem Blue Cross
  • Blue Shield of California
  • Mutual of Omaha
  • Humana
  • Goldenstate HMO
  • SilverScript RX
  • Aetna
  • Continental Life
  • Coventry
  • American National
  • Transamerica
  • Standard Life
  • Cigna
  • Oxford Life
  • Health Net and more…

MEDICARE BASICS

What is Medicare?

Medicare is Health Insurance for

  • people age 65 or older
  • people under 65 with certain disabilities
  • people of any age with ESRD (permanent kidney failure)

What Are the Different Parts of Medicare?

Part A  ( Hospital Insurance)

Covers Inpatient care in hospitals, skilled nursing facilities, hospice and home health care

Part B   (Medical Insurance)

Covers services from doctors and other health care providers, outpatient services, durable medical equipment, and home health care

Part C  ( Medicare Advantage)

Includes all benefits and services covered under Part A and Part B. Benefits provided by private insurance companies, usually includes drug coverage and additional benefits at no extra cost.

Part D  (Medicare Prescription Drug Coverage)

Helps to cover the cost of prescription drugs, benefits provided by private insurance companies.

Is Medicare FREE?

The simple answer is NO. Most consumers will earn Part A for Free if you have worked 40 quarters in your lifetime or about 10 years. Part B, however, comes with a monthly premium which is determined when you first enroll. Some consumers which are considered high income earners may be subject to an additional surcharge known as an IRMAA  (Income Related Monthly Adjustment Amount) on top of their monthly part B premium and/or Part D premium. This is determined by Social Security.  On top of the premiums, Part A and Part B both have deductibles and coinsurance that you will pay out of pocket, hence the need for a supplemental plan.

How do I enroll in Medicare?

If you have already elected to receive your social security benefits before age 65, you will automatically receive your Medicare card in the mail prior to turning 65. If you are not receiving social security benefits, you will need to apply for original Medicare. This can be done in person or online on the social security administration website.

When do I sign up?

You can apply for Original Medicare and any supplemental plans during your initial election period which starts three months before you turn 65, the month of your birthday, and three months after you turn 65. During this time you may enroll into any supplemental plans you choose guaranteed issue. Outside of this time frame, you may have to go through medical underwriting and may only apply during the annual enrollment periods.

What do I do Next? Contact Us To Review Your Supplemental Plan Options

Already On Medicare?

Even if you are happy with your current supplement plans, it is always a good idea to review your coverage on an annual basis, especially if you are enrolled in a Medicare Advantage Plan or Prescription Drug Plan. Each year, these plans can and do change. Your monthly premium, plan benefits, doctor networks, pharmacies, drug formularies and added benefits can all be affected. It’s important to know how the plans are changing so you can decide if you want to keep that plan or make a change for the new year. You can only change your Part C or Part D plans once a year during Medicare’s Open Enrollment period.

Medicare Annual Election Period October 15th – December 7th

If you are enrolled in a Medicare Supplement plan, or MediGap plan, you may enroll or disenroll at any time. However, if you want to make a change and cannot pass medical underwriting, the only time you can change your plan in California is during your California Birthday Rule window which begins on your birthday and lasts for 30 days. During this time frame, you may change to any other carrier on the market as long as you change to the same plan you currently have or lower your benefits. You are not allowed to increase your benefits under the birthday rule. One reason most consumers change their MediGap is to lower the cost of their monthly premiums. Since all plans are designed by Medicare and mandated to provide identical benefits no matter what company sells it, it can be very beneficial to shop around once a year. Companies are always competing for your business.