Medicare
Understand the main ways to receive Medicare coverage, enrollment timing, prescription coverage, and questions to consider when reviewing options.
Learn moreMedicare Guidance for California Seniors
Your Clear View to Coverage
How we work
Our Client Philosophy
Insurance decisions can feel complicated, but you should never feel rushed or left with unanswered questions. We take time to listen, understand what matters to you, and explain your options in plain language.
Whether you’re reviewing the coverage you already have or planning for the years ahead, we’ll talk through the Medicare, income planning, and final expense questions that matter to you.
Our goal is to be a resource you can return to as your needs or coverage change—not just at enrollment.
— Dan & Magy
About us
Meet the Smiths!
Hi, we're Dan and Magy Smith. We're both licensed insurance agents, and we work together to help California seniors with their coverage decisions.
We always start by listening. Before we talk about any options, we want to understand what matters to you: your doctors, your budget, how you like to get care, and what you want to plan for. Then we explain your choices in plain language and take all the time you need with your questions.
Whether you want a second look at the coverage you already have or you're thinking through what might fit your needs next, we can help with Medicare, income planning and annuities, and final expense coverage. Not every option is right for everyone, and our job is to help you understand yours so you can decide what makes sense for you.
Our family
That's us, with Luna
We're a family, and we treat the people we work with the way we'd want our own family treated: with patience, honesty, and respect. We'd love to get to know you, too.
Reviewing or changing the coverage you have, or planning for the years ahead? Pick a time that works for you.
Book a timeHow we help
Education is the foundation
Clear, practical information to help you understand your choices. Select a topic to explore.
Income Planning
Explore how people think about retirement income sources and learn general information about insurance-based options such as annuities.
Learn moreFinal Expense
Learn how final expense life insurance works, what can affect eligibility and cost, and what to consider before applying.
Learn moreThese pages provide general information. Details, availability, costs, and eligibility vary by person, location, plan, and policy.
What to expect
Three simple steps
1
Watch the video
Get to know Dan and how he works with clients in this short introduction.
Watch the video · about 4 minutes
Opens on YouTube in a new tab.
2
Book a call with us to talk it through
Choose a time on Dan's or Magy's calendar, then talk your questions through together in plain language.
3
Decide when you're ready
Take notes, talk with family, and make the choice that feels right to you.
Book a time
Schedule a 30-minute appointment
Book with Dan or Magy, whichever you prefer. Choose the date and time that works for you.
Magy Smith
Prefer to talk with Magy? Pick an open 30-minute time on her calendar. It opens in a new tab.
Schedule a Call with MagyQuestions
Frequently asked
When can I sign up for Medicare?
Many people first become eligible at 65. There's generally an initial enrollment window around your 65th birthday, plus set times each year to make changes. Timing can depend on things like employer coverage, so it helps to ask early.
How is Original Medicare different from Medicare Advantage?
Original Medicare is the federal program. Medicare Advantage plans are offered by private companies approved by Medicare and have their own rules. We can explain how each approach works in general; what fits depends on your situation.
Can I change my coverage later?
Often, during certain times of year or in certain situations. The rules differ by coverage type, so check before making a change.
Do I have to decide right away?
You can take time to ask questions, review information, and talk with family before making any decision.
Where can I find official Medicare information?
Visit Medicare.gov. California's State Health Insurance Assistance Program, known as HICAP, also offers free counseling.
Ready to talk?
Whether you're reviewing your current coverage, considering a change, or planning ahead, book a 30-minute call with Dan or Magy, whichever you prefer.