Helping seniors, families, and people turning 65 in the San Gabriel Valley and surrounding communities understand Medicare, compare options, and choose coverage with confidence.
Turning 65? I'll help you navigate Original Medicare, Medicare Advantage, Part D, and supplements — no confusing jargon.
I work with multiple carriers, depending on your area and eligibility.
Learn more →Affordable health insurance for individuals and families. We'll find the right plan and subsidy for your budget.
I work with multiple carriers, depending on your area and eligibility.
Learn more →Dental, vision, hearing, hospital indemnity, cancer, heart/stroke, life insurance, and final expense coverage options.
Licensed for supplemental products in California.
Learn more →
Hi, I'm Fred — I help make Medicare and health insurance simple.
Choosing the right health insurance can feel overwhelming — especially with so many options, rules, and fine print. That's where I come in.
I'm a licensed independent insurance agent based in the San Gabriel Valley. I work one-on-one with individuals, families, and seniors to help them understand their options and make confident decisions about their coverage.
My approach is simple: no pressure, no confusing jargon — just clear, honest guidance tailored to your situation. Whether we meet face-to-face, over the phone, or virtually, my goal is the same: to make sure you feel informed, comfortable, and confident in your decision.
If you have questions or just want a second opinion, I'm here to help.
Schedule Your Free Consultationor call/text 626-660-9341
I check that your current doctors and hospitals are covered under the plans we compare.
I make sure your prescriptions are covered at the best possible cost under each option.
I walk you through plans that fit your budget, your health needs, and your lifestyle.
No pressure. If you decide to move forward, I handle the enrollment for you start to finish.
"Fred absolutely deserves 5 stars. I've worked with him for 2 years where we've worked out the best Medicare insurance plan for me. He's been very patient, hard working and is one of the nicest people I know. I'd recommend Fred to anyone!"
"Fred made the whole process simple and easy to understand. He took the time to explain all my options and helped me choose the best plan for my needs. I highly recommend him to anyone needing help with their healthcare needs."
"Fred is excellent! He's very attentive and takes the time to explain everything clearly in Spanish. He helped me understand my Medicare options without any pressure. I recommend his services to all my friends and family. Thank you, Fred!"
"Fred Munoz was very helpful with both myself & my wife getting us set up with Medicare. We had some issues that we needed help with. Fred is very experienced & he helped us get on the right track. He was very patient with our problems."
"Fred is fantastic and uses the latest tech to get his expertise out into the marketplace!"
I'm here to help you make the best decision for your health and peace of mind.
Not sure where to start? Send a quick message or book a time that works for you.
No commitment. I'll get back to you by phone or text, whichever you prefer.
Pick a time that works for you — phone, video, or in-person.
