Medicare Plans
What's Your Medicare Situation?
Tell me where you're starting from and I'll point you to the right next step — no cost, no pressure.
Turning 65 Soon
New to Medicare and want to understand your options before you enroll.
See what's next →Still Employed
You're 65 or older but still working and covered by an employer plan.
See what's next →Already on Medicare
You have coverage now and want to review it or make sure it still fits.
See what's next →Coverage Options
The Three Ways to Get Medicare Coverage
Every situation is different — here's the plain-English breakdown of what's actually available.
Medicare Advantage (Part C)
Bundles Part A, Part B, and usually Part D into one plan through a private carrier — often with a Prescription Drug Plan.
Medicare Supplement (Medigap)
Works alongside Original Medicare to help cover the out-of-pocket costs Medicare doesn't — copays, coinsurance, and deductibles.
Part D Prescription Drug Plans
Standalone drug coverage for people who don't get prescription coverage through a Medicare Advantage plan.
New to Medicare?
Not Sure Where to Begin?
As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare. Understanding the ins-and-outs and selecting the right plan can be challenging.
Start by enrolling in the free Medicare Essentials Video Quick-Course — a short video covering the basics of Medicare, at no cost and no obligation. Then read through this site and connect with a local licensed insurance agent for free assistance.
Get the Free Video Course
Why It Matters
Choosing a Medicare Plan Carries a High Degree of Importance
- You want the best healthcare coverage for your situation.
- You want to keep your out-of-pocket expenses manageable.
- You want a plan you understand, so there are no unpleasant surprises.
- You want to take advantage of the best opportunities available during the right time windows.
- You don't want to experience gaps in coverage.
Because Medicare can be a complicated topic, with many different plans available, it's easy to feel overwhelmed and confused. Working with an independent licensed insurance broker can help you make sense of all your options.
Get Free ConsultationFrequently Asked
Frequently Asked Questions About Medicare
How do I apply for Medicare?
The easiest way to apply for Original Medicare is via the Social Security website. There is a quick Medicare application that should take you no longer than 10 minutes.
When should I apply for Medicare?
You have a 7-month window to apply for Original Medicare: the 3 months prior to your 65th birthday month, the month of your birthday, and the 3 months after your 65th birthday.
How do I apply for a Medicare Advantage or Medicare Supplement Plan?
Medicare Advantage and Medicare Supplement Plans are offered through private insurance companies. Our friendly licensed insurance agents can help you find a program that meets your needs and budget — there's no cost to use our service. Call (818) 438-0796 to speak with a licensed insurance agent.
What if I missed my Initial Enrollment Period?
If you missed your 7-month window for enrolling in Medicare, your next opportunity to enroll in Part A and Part B will be during the General Enrollment Period, January 1–March 31. Coverage then becomes effective the first of the month following your enrollment date. For instance, if you enroll on February 10, your coverage goes into effect March 1st.
Can I apply for Medicare in person?
Yes — you'll need to go to a local Social Security office to apply in person. If you'd like to apply for a Medicare Advantage or Medicare Supplement Plan in person, contact our office and request an appointment. You'll need to apply for Original Medicare before you can enroll in a Medicare Advantage or Medicare Supplement Plan.
Are there penalties for enrolling late?
Yes. If you do not enroll in Part B coverage during your Initial Enrollment Period, you could be subject to premium penalties for as long as you have Medicare coverage.
Can I get assistance applying for Medicare?
Absolutely. Contact our office at (818) 438-0796 and one of our licensed insurance agents will be happy to walk you through the enrollment process.
When do I get my Medicare card?
You'll typically receive your Medicare card approximately 3 weeks after you apply.
Have More Questions?
Schedule a free consultation with a knowledgeable licensed insurance agent and discover how we can help you achieve your goals.
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