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Licensed Health Insurance Agent, California

Medicare Plans We Help
You Navigate in California

Medicare isn't one-size-fits-all, and the right plan depends on your doctors, your medications, your budget, and where you live. As a Licensed Health Insurance Agent, California, I help Bay Area seniors compare their options honestly, without sales pressure, so they can choose coverage that actually fits their life. Below are the plans I help you evaluate.

MA

Medicare Advantage Plans in California

Medicare Advantage (Part C) bundles your hospital, medical, and often prescription drug coverage into one plan, usually with extra benefits like dental, vision, and hearing that Original Medicare doesn't cover. I'll walk you through the Advantage plans available in Santa Clara County, compare their networks and costs, and help you find one that includes your current doctors.

  • Compare HMO and PPO Advantage plans available in California

  • Review extra benefits: dental, vision, hearing, and fitness programs

  • Check that your preferred doctors and hospitals are in-network

MS

Medigap / Medicare Supplement Plans

Medigap plans work alongside Original Medicare to help cover the out-of-pocket costs Medicare leaves behind, deductibles, copays, and coinsurance. If you travel often, see specialists frequently, or simply want predictable costs, a Supplement plan may give you more flexibility. I'll explain the different plan letters and help you compare carriers and premiums side by side.

  • Understand the difference between Plan G, Plan N, and other Medigap options

  • See which plans let you keep any doctor that accepts Medicare

  • Compare monthly premiums across carriers I'm contracted with

PD

Part D Prescription Drug Plans

​A standalone Part D plan covers your prescription medications if you're enrolled in Original Medicare without a drug-inclusive Advantage plan. Drug costs and covered medications vary significantly between plans, so I run your specific prescription list against available plans to find the most cost-effective option for you.

  • Enter your medication list to compare real out-of-pocket costs

  • Avoid the late enrollment penalty by enrolling on time

  • Review plan changes each year during Annual Enrollment

Not sure which plan fits your situation?

Let's talk it through, free, no obligation.

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