I’m based right here in the South Bay — not answering your call from three states away, not sending you a picture of myself taken somewhere I’ve never actually stood. If you want to sit down face to face, we can.
I’m independent — I represent 15 major carriers, and every single one of them pays me the same. That means I have zero financial reason to steer you toward one plan over another. My only job is finding the plan that actually fits your health needs, your doctors, and your budget.
Not life insurance. Not annuities. Not a side hustle between other lines of business. Medicare — full time, every day. That focus means when you ask a question, you’re not getting a generalist’s guess.
Tell me a little about your situation: turning 65, switching plans, or just have questions.
I’ll walk you through your options in plain English. No obligation, no hard sell. Just straight talk.
Every year during Annual Enrollment, I check your plan against what’s changed this time around.
I spent [X years] in business-to-business sales before I made the switch to insurance — and honestly, the skill that mattered most transferred over completely: listening first, then solving the actual problem in front of me, not the one that’s easiest to sell.
Turning 65 kicks off your Initial Enrollment Period (IEP) — a 7-month window that starts 3 months before your birthday month, includes your birthday month, and runs 3 months after. This is the window to get Medicare right the first time.
If you’re already receiving Social Security benefits, Part A and Part B are usually turned on automatically and your card shows up in the mail. If you’re not yet collecting Social Security, enrollment isn’t automatic — you’ll need to sign up yourself, and missing this window can mean a lifelong late enrollment penalty. I can tell you exactly where you fall in your 7-month window and what needs to happen before it closes.
It depends on the pieces, so here’s the breakdown for 2026:
The honest answer is: your total cost depends entirely on which coverage path you choose, and that’s exactly the kind of thing worth a 15-minute conversation instead of a guess.
There’s no universal right answer here — it genuinely depends on your doctors, your prescriptions, how often you travel, your budget, and your health situation. Two people turning 65 in the same month can end up with completely different — and equally correct — coverage.
Broadly, the decision comes down to a fork in the road: stick with Original Medicare (and typically pair it with a Medicare Supplement and a standalone Part D plan), or choose a Medicare Advantage plan that bundles everything into one private plan. Neither is universally “better” — it’s about which one fits your life. This is the single most common question I get, and it’s the one I’m least willing to answer with a form. Let’s talk it through.
It depends on the size of the company you work for:
One trap worth knowing about: COBRA and retiree health coverage do not count as active employer coverage for purposes of delaying Part B. A lot of people assume they do and end up with a penalty or a coverage gap because of it. Before you decide anything, it’s worth checking with your HR or benefits department — and worth a quick call with me — to make sure you don’t accidentally trigger a penalty or a gap.
Medicare Advantage (Part C) is a private plan that bundles your Part A and Part B coverage — often with Part D drug coverage and extras like dental, vision, or hearing — into one plan. Premiums are often low (sometimes $0), but you’re generally limited to a network of doctors (HMO or PPO), and your out-of-pocket costs show up as you use care, up to an annual maximum.
Medicare Supplement (Medigap) works alongside Original Medicare to help cover the gaps — coinsurance, copays, and deductibles Medicare doesn’t pay. Monthly premiums are typically higher than Medicare Advantage, but you can see any doctor nationwide who accepts Medicare, with no network restrictions. You’d pair it with a separate Part D plan for prescription drug coverage.
Neither one is objectively better — it’s a trade-off between lower monthly cost with more structure (Advantage) versus higher monthly cost with more freedom and predictability (Supplement). Which one makes sense depends entirely on your situation, which is exactly the kind of thing I can walk you through.
No call centers, no sales scripts, no pressure. Just a licensed local agent who’s ready to help whenever you are.
