Medicare Guidance · San Gabriel Valley

Understanding Your Medicare Options

Turning 65 or approaching Medicare eligibility? I'll walk you through every option so you can make a confident, informed decision — at no cost to you.

Schedule Free Medicare Review

We do not offer every plan available in your area. Currently we represent 10 organizations offering 68 products. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP for all options.

What Type of Medicare Coverage Do You Need?

Medicare has several parts that work together. I'll help you understand which combination makes the most sense for your doctors, medications, and budget.

Original Medicare vs. Medicare Advantage

The two main paths side by side.

Original Medicare + Medigap Medicare Advantage
Monthly Premium Higher (Part B + Medigap) Often $0 or low
Out-of-Pocket Costs Very predictable / low Varies by plan use
Doctor Network Any Medicare-accepting doctor In-network required (usually)
Prescription Drugs Separate Part D plan needed Often included
Dental / Vision Not covered Often included
Travel Coverage Nationwide + some foreign emergency Usually network-limited
Best For Those wanting maximum flexibility Those wanting bundled benefits

Not sure which path is right for you? That's exactly what I help with — for free.

Medicare Enrollment Periods

Missing these windows can mean gaps in coverage or lifetime late-enrollment penalties.

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Initial Enrollment Period

A 7-month window centered on your 65th birthday: 3 months before, your birthday month, and 3 months after.

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Annual Enrollment (Oct 15 – Dec 7)

Switch Medicare Advantage plans or change your Part D coverage each year. Changes take effect January 1.

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Medicare Advantage Open Enrollment (Jan 1 – Mar 31)

Make one change if you're already in a Medicare Advantage plan — switch plans or return to Original Medicare.

Special Enrollment Periods

Triggered by retiring, losing employer coverage, moving, or other qualifying life events. I'll make sure you don't miss your window.

Let's Build Your Medicare Plan

I'll review your doctors, medications, and budget — then walk you through every option in your area. Free, no pressure, bilingual.

Schedule Your Free Consultation

Choose a time that works for you — phone, video, or in-person. No obligation, just clear guidance.