Medicare California, Simplified.

You become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) begins three months before your 65th birthday month and ends three months after. Enrolling on time is important because delaying without a qualifying exception can result in permanently higher premiums. You can also make changes during the Annual Enrollment Period (AEP), October 15 through December 7 each year, or during a Special Enrollment Period (SEP) if you qualify due to a life event such as moving or losing employer coverage.

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers. It bundles Part A, Part B, and usually Part D prescription drug coverage into a single plan, often with added benefits like dental, vision, and hearing. These plans tend to have lower monthly premiums but may have network restrictions (HMO or PPO) and may require prior authorization for specific procedures. Medigap (Medicare Supplement) works alongside Original Medicare to cover out-of-pocket costs like copayments, coinsurance, and deductibles. With Medigap you can see any provider that accepts Medicare nationwide, with no referrals needed. Lea en español →

Our service is completely free to you. We are licensed, independent Medicare agents compensated by the insurance carriers, not by our clients. This means we can focus entirely on finding you the most appropriate plan for your needs and budget without any financial conflict of interest. Transparency and honesty are core to who we are.

Yes. The primary window is the Annual Enrollment Period (AEP), October 15 through December 7, when all Medicare beneficiaries can switch plans for the following year (effective January 1). Medicare Advantage enrollees also have the Open Enrollment Period (OEP), January 1 through March 31, to make one additional change. Beyond that, you may qualify for a Special Enrollment Period (SEP) due to qualifying life events such as moving, losing employer coverage, or gaining Medicaid eligibility. We help you understand your options and timing.

Finding Medicare help near you in California is simple. We serve every county in the state with free, personalized plan comparisons. Enter your ZIP code above to see Medicare Advantage, Medigap, and Part D plans available near you, or call us to speak with a licensed bilingual agent. We have local expertise in Los Angeles, San Diego, San Francisco, Sacramento, Riverside, Orange County, and all California communities. Find Medicare help in your city →