Frequently Asked Questions

Start planning 3 months before your 65th birthday. This gives us time to compare all your options without rushing into a decision. If you're still working and have employer coverage, the timing may be different, so it's especially important to get personalized guidance to avoid any penalties or gaps in coverage.

Not necessarily. If you have creditable employer coverage through a company with 20 or more employees, you may be able to delay Part B without penalty. However, every situation is different, and the rules can be complex. We'll help you understand your specific situation and make sure you don't accidentally trigger any late enrollment penalties.

These are two completely different approaches to Medicare coverage:

Both have pros and cons depending on your health needs, budget, and preferences. We'll help you understand which approach works best for your situation.

Yes, during Annual Open Enrollment (October 15 - December 7) you can switch Medicare Advantage plans, add or drop drug coverage, or switch from Advantage back to Original Medicare. For Medicare Supplement plans, you typically can't change without medical underwriting after your initial enrollment period, though there are some exceptions. We review all our clients' plans annually to ensure they still have the best coverage for their needs.

Never. Our consultations are always free, whether it's your first visit or your 10th question this year. Insurance companies pay us when you enroll in a plan, so there's no cost to you for our guidance, plan comparisons, or ongoing support. This means we can focus on finding you the right coverage instead of worrying about billing you for our time.

All of Los Angeles County, including Pasadena, Long Beach, Glendale, Santa Monica, Torrance, Pomona, Downey, Inglewood, Santa Clarita, Burbank, Compton, Carson, and everywhere in between. We know the local healthcare networks, understand which doctors and hospitals are in which plans, and can meet with you in person or over the phone, whatever works best for you.

Absolutely. We provide complete service in Spanish because Medicare decisions are too important to get lost in translation. Our bilingual team can explain all your options, help you compare plans, and provide ongoing support in whatever language you're most comfortable with. Estamos aquí para ayudarle a encontrar la mejor cobertura para sus necesidades.

Checking provider networks is one of the most important parts of choosing a plan, and it's something we do for every client. Bring us a list of your current doctors, specialists, and preferred hospitals, and we'll verify which plans include them in their networks. We also help you understand what happens if you need to see an out-of-network provider and how to find in-network alternatives if needed.