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Medicare
Medicare, explained by people who’ll take the time
Todd and Trish are both licensed for Medicare, with decades of combined insurance experience between them — helping you make sense of Medicare Advantage, Supplement, and Part D, including the complicated cases many agents turn away.
Medicare Advantage
Bundled plans that often include Part D and extra benefits, with a defined network and annual out-of-pocket maximum.
Medicare Supplement
Fills the gaps in Original Medicare with broad provider access — typically paired with a standalone Part D plan.
Part D Prescription Drug Plans
We’ll compare formularies against your actual medications, not just the plan’s marketed tier.
Enrollment Periods
When you can make changes
Annual Enrollment (AEP)
October 15 – December 7 each year. Review and change your Medicare Advantage or Part D plan for the coming year. Plans change annually, so it’s worth comparing even if yours is working.
Initial Enrollment
Your first chance to enroll: the three months before your birthday month, your birthday month, and the three months after. Enrolling early means coverage starts sooner.
Special Enrollment
Triggered by qualifying life events — moving out of your plan’s area, losing employer coverage, or a change in eligibility. Windows are limited, so timing matters.
Medicare Supplement
A California advantage: the birthday rule
If you already have a Medicare Supplement policy, California gives you a window each year around your birthday to switch to another Medigap plan with the same or fewer benefits — from any carrier, with no medical underwriting and no new waiting period.
This matters more than it sounds. Medigap premiums generally rise as you age, and carriers raise their rates at different speeds — so a policy that was competitively priced when you bought it may not be five years later. Most states would make you answer health questions to switch. California doesn’t.
If your birthday is coming up, call us and we’ll price your current plan against what else is available. No cost, no obligation.
Before We Talk Specifics
Ready to review your Medicare options?
Before we discuss specific Medicare Advantage or Part D plans, federal rules require a Scope of Appointment (SOA) — a quick form confirming which plan types you want to cover. We don’t collect plan details online; request a callback and we’ll take it from there.
- No waiting period. Under rules effective October 1, 2026, we can complete your SOA and review plans in the same conversation.
- Zero obligation. It’s free, commits you to nothing, and doesn’t affect your current coverage.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 40 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program.
Turning 65 this year?
Your Initial Enrollment Period opens three months before your birthday month. Starting the conversation early means fewer decisions under deadline.