Annual Enrollment 2027
October 15 to December 7. What you can change, what to check in your Annual Notice of Change, and a review checklist.
Turning 65
Your 7-month enrollment window, when coverage starts, working past 65, and avoiding lifelong penalties.
Advantage vs. Medigap
How the two paths differ on doctors, costs, travel, and drug coverage, and why the first choice matters.
Medigap in California
Open enrollment, the birthday rule, guaranteed issue rights, and your free look period.
Part D drug coverage
The 2027 $2,400 cap, drug lists and tiers, the payment plan, Extra Help, and the late penalty.
Medicare in Santa Clarita
Where to sign up, free HICAP counseling, and what to check about local doctors and hospitals.
Medicare glossary
35 terms from your Medicare mail, defined in plain English.
FAQ
Common questions, answered in plain English.
Life & final expense
Term, whole, and final expense coverage, and California's protections for buyers 60 and older.
Want every option, not just mine? I do not offer every plan available in your area. Medicare.gov, 1-800-MEDICARE, and HICAP at 1-800-434-0222 can show you all of them, at no cost.