New to Medicare
Understand the basic parts of Medicare, common enrollment periods, and what to think about if you’re still working or covered through an employer. We can help you prepare questions and understand the next steps.
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Medicare Solutions
Helping California seniors understand their coverage choices, enrollment timing, and next steps with clear, personal guidance.
Understanding Medicare options
Original Medicare includes Part A hospital insurance and Part B medical insurance. People may also consider a stand-alone Part D prescription drug plan, Medicare Supplement insurance, or Medicare Advantage. These options work differently, and availability can vary by county.
We can explain the general differences and help you prepare questions about providers, prescriptions, costs, and how you prefer to receive care. The right considerations depend on your own situation.
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Whether you are new to Medicare, reviewing current coverage, or helping a loved one, we can walk through the questions that matter to your situation.
Plan Review and Options
Take a fresh look at doctors, prescriptions, costs, and plan rules. We can help you understand what to compare and what could change before you make a decision.
Have Medicare and Medi-Cal?
If you qualify for both, you may be able to get extra help with costs and coordinated coverage. Eligibility and benefits vary by county and your circumstances, so we can help you understand your options.
Plans for Veterans
Medicare and VA health benefits are separate programs. We can talk through how Medicare coverage may fit alongside VA care and help you list questions for the VA before changing your coverage. Your providers and how you receive care matter.
Expensive Prescription Drugs
Look at how a plan covers your medications and what the costs may be at your pharmacy. People with limited income and resources may qualify for Extra Help with prescription drug costs; eligibility is determined by Social Security.
Additional Coverage Options
Some people also consider separate insurance for costs or services Medicare may not cover in full, such as dental, vision, hearing, or hospital indemnity coverage. These products are separate from Medicare, and their benefits, costs, and availability vary.
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Medicare, made clearer
We help you understand the choices in front of you, compare the details that matter, and decide on your next step when you are ready.
Request More InformationFrequently asked questions
What is Medicare?
Medicare is federal health insurance, primarily for people age 65 and older and some younger people with disabilities or certain conditions. The coverage choices and costs depend on your circumstances and location.
What are the main parts of Medicare?
Part A generally covers inpatient hospital care, and Part B covers medical services. People may also choose prescription drug coverage through Part D or receive Medicare benefits through a Medicare Advantage plan. Medicare Supplement insurance can help with certain out-of-pocket costs when paired with Original Medicare.
When can I enroll or make a change?
Enrollment and plan changes are available during specific periods, with some exceptions for qualifying life events. The right timing depends on your situation, so verify your dates before making a change.
How do Medicare Advantage and Original Medicare differ?
Original Medicare is provided by the federal program, while Medicare Advantage plans are offered by private insurers and follow plan-specific networks, costs, and rules. Compare your doctors, prescriptions, and expected costs before choosing.
Can I review my coverage later?
Many people review their coverage each year and when their needs change. Whether you can switch depends on enrollment periods and eligibility rules.
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We represent multiple insurance organizations. We do not offer every plan available in your area. Contact Medicare.gov, 1-800-MEDICARE, or California HICAP to learn about all of your options.
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