Medicare is for those 65 and older, or for younger people with certain disabilities.

You can sign up for Medicare A and B with your local Social Security office or online. You can sign up for Medicare before you turn 65 so that it starts on your month of birth. For help contact one of our licensed agents

In general you can change your plan during the Annual Election period, which is between October 15th and December 7th every year. There are also some Special Election periods that allow you to change your plan.

In most cases yes. You can sit down or call one of our agents and we can help you check which carriers your doctors are contracted with. In addition, we can also check your medications to see which carriers cover your prescriptions under their drug formulary.

You can keep your coverage from your credible employer coverage. When you come off of that plan, you qualify for a Special Enrollment period in which you can enroll with no penalties.

If you have credible coverage you will not be subject to the late enrollment penalties.

You will enter into a Special enrollment period if you move our of the services area of your current Medicare plan.

With Original Medicare and Medicare Advantage plans you cannot be denied coverage due to preexisting conditions. In addition you cannot be charged more for preexisting conditions

Our services are at no cost to you. Per CMS and Covered CA rules brokers are not allowed to charge a fee for their services. We are paid a commission from the insurance carriers. Our job is to help you understand and navigate your options, so that you can make an informed decision about your health insurance needs/options.