Do not see your question? Call or text me at (661) 313-0570. No question is too small, and asking does not commit you to anything.
Common questions
Does it cost anything to work with you?
No. Reviews are at no cost to you. If you enroll in a plan through me, the insurance company pays me. You do not pay me a fee.
Are you affiliated with Medicare or the government?
No. I am a licensed insurance agent. I am not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare will not call you to sell you a plan.
Do you offer every Medicare plan?
No. I do not offer every plan available in your area. I can discuss the plans I am appointed to offer. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or HICAP at 1-800-434-0222.
How is an agent different from calling 1-800-MEDICARE?
1-800-MEDICARE gives general information about Medicare and every plan in your area. A licensed agent can compare the plans they are appointed to offer against your doctors and prescriptions, help with the application, and stay with you after you enroll.
When can I sign up for Medicare?
Your Initial Enrollment Period is 7 months long. It starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after it.
When can I change my Medicare plan?
The Annual Enrollment Period runs October 15 to December 7, with changes starting January 1. If you are in a Medicare Advantage plan, you also get one change between January 1 and March 31. Some life events create Special Enrollment Periods.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage is a private plan that provides your Part A and Part B benefits, usually through a network, with a yearly out-of-pocket limit. Medigap is a policy that works alongside Original Medicare to help pay what Medicare does not, and lets you see any provider that accepts Medicare. You cannot have both at once.
Can I switch from Medicare Advantage to Medigap later?
Sometimes, but outside protected situations a Medigap company can ask health questions and decline you or charge more. If you join Medicare Advantage when first eligible, you generally have a 12-month trial right to go back.
What is the California birthday rule?
If you have a Medigap policy in California, you get a 60-day window each year starting on your birthday to switch to another Medigap policy with the same or fewer benefits without medical underwriting.
What is the Part D out-of-pocket cap for 2027?
$2,400, up from $2,100 in 2026. After you reach it, you pay nothing more for covered Part D drugs that year.
I am still working at 65. Do I need Part B?
It depends on your employer coverage and the size of your employer. Many people with active employer coverage can delay Part B without a penalty. Ask your benefits administrator in writing before you decide.
Will you call me if I fill out your form?
Yes, that is what the form is for. I will only contact you about what you asked for, and you can tell me to stop at any time.
Can we meet in person?
Yes. I meet at my office at 27240 Turnberry Lane, Suite 200, in Valencia, or by phone.
What should I bring to a review?
Your Medicare card, your current plan card, a list of your prescriptions with doses, your doctors and medical group, your pharmacy, and your Annual Notice of Change if you have one.
Do you help with life insurance?
Yes. I help with term life, whole life, and final expense coverage. If you would rather start on your own, I also offer an instant online term quote through Ethos.
What is final expense insurance?
A smaller whole life policy designed to cover funeral costs and final bills so your family is not left paying them.
How do I know you are legitimate?
Look me up. My California insurance license number is 4410609, and you can verify it at insurance.ca.gov. My office is a real place you can visit in Valencia.
Where can I get free, unbiased Medicare help?
HICAP, California's Health Insurance Counseling and Advocacy Program, offers free Medicare counseling at 1-800-434-0222. Its counselors do not sell insurance.