Medicare Decisions Overwhelming You?
Based in Orange County, serving all of California, I am a licensed Health Insurance Broker who can help you sort it all out. My services are FREE! There is no obligation to enroll.
Do you know what a Medicare lnsurance Broker is? A Medicare Insurance Broker does not work directly for any one company/carrier, and therefore we can offer a number of different plans. One size does not fit all.
Advantages of using a Licensed Health Insurance Broker’s, they can…
Get the Best Fit for YOU!
Agents work for insurance companies, offering their company products, while brokers represent various companies (with various products) and can compare benefits and price that best fits your needs.
At No Additional Cost
The cost for your plan is the same whether you go directly to the carrier, or work with an agent/broker. Agent’s are paid directly from the carrier of the plan, and we are paid the same for all the same types of plans available in your area. This makes a broker a great resource for any plan we agree meets your needs.
Medicare Services I can provide YOU!
~ This is just for starters ~
Licensed Insurance Broker – Currently offering 11 companies
Educating people turning 65, retiring, or moving about Medicare
Assist people in deciding when is the right time to enroll in Medicare for their situation or event that qualifies for an election period
Research the best plan for the client, and I offer a free analysis, with no obligation to enroll
Set up a one-on-one appointment either in person or by phone
Assist you in enrolling in the plan
Continue assisting my clients with questions and changes as they occur
There is no obliglation to enroll.
Understanding Medicare
~ Medicare Basics ~
Initial Enrollment Period
You can first sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
If you sign up for Part A and/or Part B during the first 3 months of your Initial Enrollment Period, in most cases, your coverage begins the first day of your birthday month. However, if your birthday is on the first day of the month, your coverage starts the first day of the prior month.
If you sign up and are paying for Part A and/or Part B the month you turn 65 or during the last 3 months of your Initial Enrollment Period, the start date for your Part B coverage will be delayed (in 2022).
Beginning January 1, 2023, if you sign up the month you turn 65 or during the last 3 months of your Initial Enrollment Period, your coverage starts the first day of the month after you sign up.
Medicare Parts A & B
Part A pays for hospital care, and Part B pays for outpatient costs.
Medicare Part C
Also known as Medicare Advantage. It combines the management of parts A and B under one plan. Some Medicare Advantage plans also include Part D.
Medicare Part D
Medicare Part D is a prescription drug plan.
Medicare Supplement Insurance Plans (Medigap)
Also called Medigap, helps cover some out-of-pocket expenses of original Medicare.
Please visit Medicare.gov for overall program information.
Medicare Providers I can offer YOU!
Aetna
Alignment
Anthem
Blue Shield
Healthnet
Humana
Providence
Scan
SilverScript
United Health
WellCare
Just a few of my satisfied clients
~ Will you be my next? ~
The Newburn's
We love working with Susan as our Medicare Advisor. Susan is always available to answer any questions we have about our Medicare plan. She has made the process very easy and simple to understand — seamless!
The Newburn’s are enrolled in Blue Shield Plan G Extra a Medicare Supplemental Insurance Plan & Silver Script Smart RX Plan.
Jim S.
On the advice of a friend, I contacted Susan to help me understand the Medicare maze. I must say, I couldn’t be happier.
Susan is the gold standard of great customer service. She keeps me updated and aware of any upcoming changes and always returns phone calls promptly. I wouldn’t hesitate to recommend Susan to my friends, 5 Star service every time!
Jim S. is enrolled in The Scan Venture Medicare Advantage Plan.
Sarah B.
Susan is outstanding in helping me navigate through Medicare options and finding the perfect fit for my needs. She stays very current on benefits, changes, and pricing, Her knowledge is critical to me every year in making the best Medicare decision possible as things change. She is my medicare advisor forever!
Thank you, Susan!
Sarah B. is enrolled in Scan Classic, a Medicare Advantage Plan.
Steve B.
Susan’s expertise helped me achieve the Medicare coverage I could only have dreamed of before I met her.
Steve B. is enrolled in Blue Shield Plan F Extra, a Medicare Supplemental Insurance Plan & Silver Script Choice RX Plan.
Jodi A.
It has been a pleasure working with Susan, and I will check in every year to make sure I am in the best supplemental insurance plan.
Jodi A. is enrolled in Blue Shield Plan G Extra, a Medicare Supplemental Insurance Plan & Silver Script RX Plan.
There is no obliglation to enroll.
I do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24/7 to get information on those types of options. Not affiliated with or endorsed by the government or the federal Medicare program.