What is the difference between Medicare Supplements and a Medicare Advantage Plan you ask?


What is the difference between Medicare Supplements and a Medicare Advantage Plan you ask? Medicare Supplements are guaranteed renewable. They don’t change from year to year, like a Medicare Advantage Plan can do. Supplements are secondary to Medicare, meaning original Medicare, Parts A & B, are your primary coverage and the supplement picks up where […]

Covered California: On Exchange and Off Exchange

Covered California On Exchange: Covered California is the place to get financial assistance with health insurance in California. The lower your income, the higher the financial assistance can be. If you have no income or your income is below a certain threshold, you will qualify for MediCal. Not only can the financial assistance lower your […]

Individual Open Enrollment

Health insurance

The current Individual Open Enrollment period is October 15, 2019, to January 15, 2020. For Individuals, if you want to change your plan for a Jan 1, 2020, effective date, you must make your plan change by Dec 15th. The Individual market also has special reasons during the year which allows you to make immediate […]

Open Enrollment for 2019


Open enrollment has started and there is a lot of activity happening around this season. This is your window to make a change to your health plan for your Medicare and Individual coverage. You have until December 7th for Medicare, to change your plan, for a January 1st, 2019 effective date. The Individual Open Enrollment […]

The Secret to Getting a Pharmacy Discount With Medicare

If you take numerous medications, such as medications for diabetes, high blood pressure, and high cholesterol, you could reach the coverage gap or “donut hole,” the point at which you and your Medicare Part D prescription drug plan together have spent $3,310 on medications, and will have to pay a larger share of the drug […]

Tips For Choosing A Medicare Plan

Choosing  a Medicare plan when you are first eligible for Medicare or even switching plans during open enrollment, can be a daunting task. Typically, most people can enroll into Medicare for the first time at age 65. (There are exceptions for people on disability under 65 which can get on Medicare earlier.)  Many people come […]

Do you qualify for Low Income Subsidy (LIS) or Part D Extra Help?

If you have limited income and assets (excluding your house), your state may help you pay for Part A, and/or Part B.  You may also qualify for Extra Help to pay for your Medicare prescription drug coverage and this help with lower your prescription drug copays and for many, keep you out of the coverage gap […]

Tips For Choosing A Medicare Plan


At 65 you can enroll in Medicare for the first time. (There are exceptions for folks on disability under 65 which can get on Medicare earlier.)  Your Initial Enrollment Period (IEP) starts three months before your 65th birthday, includes your birth month and ends three months after your 65th birthday. The effective date typically starts […]

Understanding Medicare Enrollment Periods

Medicare Enrollment

Each year there are set times a person can enroll in Medicare or change existing Medicare plans. There are separate enrollment periods for Medicare Parts A and B (Original Medicare) and Medicare Part C (Medicare Advantage).  Enrollment periods include:  Initial Enrollment Period (IEP) – the first time an eligible person can enroll in Medicare Parts […]

Why You Need Life Insurance Protection

Life Insurance

Life Insurance Protection, Why you Need It? Many people don’t have life insurance because they think they can’t afford it or don’t need it. If you have a living family member, then you need it. Don’t leave them holding the bag of your funeral costs. Life Insurance You Don’t Have to Die to Use! The […]