Terri Yurek

TERRI YUREK
PRESIDENT

I have been providing the San Diego community with insurance services for more than 20 years. The goal of my agency is to meet the needs of the aging population in our San Diego communities.

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I have been providing the San Diego community with insurance services for more than 20 years. The goal of my agency is to meet the needs of the aging population in our San Diego communities by providing zero cost, zero pressure Medicare educational courses in a completely non-biased format. This has been a greatly needed service for many years and we are confident that the information we bring forward in each of our courses will empower people to make wise long-term choices in healthcare that will ultimately enrich their lives. I live in the Rancho Penasquitos community with my family for the past 26 years and plan to retire in California. I enjoy boating, hiking, wine tasting and spending time with magnificent people. License #0E56262

Joe Mahoney

JOE MAHONEY
BROKER

I help clients navigate through Medicare health insurance. I make sure they know what’s available and understand what they are enrolling in.

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I help clients navigate through Medicare health insurance. I make sure they know what’s available and understand what they are enrolling in. I serve all of San Diego County. License #0G74522

Lisa Whitley

LISA WHITLEY
BROKER

My focus is to educate and advise clients on their Medicare options to find the best plan for them.

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I am a local, licensed insurance agent specializing in Medicare. I give unbiased guidance to help clients choose a plan that fits their personal needs. I offer a range of affordable and benefit rich plans with many top insurance companies. I also conduct annual reviews to confirm changing needs are being addressed. License #0L00140

Gail Buckley

GAIL BUCKLEY
broker

My passion is helping people navigate the sometimes-complicated Medicare System. Creating a partnership ensures we conduct a thorough review of your personalized needs prior to enrolling you in a plan that will best suit you. My goal is to minimize your healthcare costs and I provide excellent service without a fee! License #4149868

Esther Sulistio

ESTHER SULISTIO
broker

Your help with Medicare 101, Medicare Supplement, Medicare Advantage, & Part D plan. With 8+ years of experience, I can assist in any situation you’re in at NO COST to you. I’m a local Rancho Bernardo agent who knows the San Diego area well. License #0J17303

Carolina Parra

CAROLINA PARRA
broker

My goal is to transform that initial uneasy feeling towards getting started into a pleasant Medicare experience. I am dedicated to my clients and take pride in keeping them informed of Medicare Trends. Soy bilingüe en español. License #0M76276

Daniel Maldonado

DANIEL MALDONADO
broker

Medicare can be confusing. I guide Medicare Beneficiaries to understand Medicare and find the best plan that fit their needs. Tambien hablo Espanol para nuestra comunida Latina que necesita ayuda con Medicare.

License #0M96482

Fawaz George
broker

I have been helping people with their insurance needs since 2013. When it comes to choosing your final health insurance plan, Medicare has dozens of options to choose from. My goal is to help Medicare Beneficiaries understand what their choices are before making an enrollment decision. License #0I65610 أنا أيضا أتحدث اللغة العربية

Soledad Ramirez

SOLEDAD RAMIREZ
broker

My goal is to help Medicare Beneficiaries better understand Medicare and find a plan that best fits their needs. I represent all the major Medicare plans in CA and I’m local to San Diego. I have over 10 years’ experience helping educate beneficiaries in Medicare, and I take pride in providing options for the future of your health. License #0I04440

Uri Leon

Uri Leon
broker

Medicare can be confusing. I guide Medicare Beneficiaries to understand Medicare and find the best plan that fit their needs. Tambien hablo Espanol para nuestra comunida Latina que necesita ayuda con Medicare. License #0M96482

Michael Mitchell

Michael Mitchell.
broker

As a Rancho Bernardo, CA resident, my goal is to help my clients take full advantage of being a Medicare Beneficiary!  I’ve been helping people pick the right Medicare Plan since 2014 and my faith teaches me to share my Time, Talent, and Treasure with my community. I’ll help you review all your options to help pick the right plan that fits your needs. License #0B66380

It’s Complicated. Getting Medicare is a major milestone and we can help you obtain the information you need, no matter where you are in your Medicare journey.

VIEW OUR EVENTS

Reaching age 65 is an important turning point for Baby Boomers and it can be overly confusing.

At Medicare Central we offer specialized consultations to individuals for a wide variety of Medicare eligibility and enrollment circumstances, so you attain a complete education on the Medicare program, an overview of fixed and variable costs, and a portfolio comparison of health and drug plan options to help you determine the best fit enrollment decision. Our Licensed Agents:

  • Do not steer, or attempt to steer consumers toward a specific plan or limited number of plans
  • Provide non-biased information about the Medicare Program

Contact us for more details or to schedule your personalized appointment (858) 391-8544.

We also partner with Employers, HR Administrators, and Retirement Professionals to provide Medicare educational seminars in English and Spanish.

Our agents have expertise in providing specialized consultations to individuals for a wide variety of Medicare enrollment situations.

  • Turning 65 in the next 12 months
  • Planning your retirement benefits
  • Recently moved in or out of a different county or state
  • Recently moved into, reside in, or moved out of a Skilled Nursing Facility (SNF), Nursing Facility (NF)
  • Have the desire to switch physician(s) or medical group and need guidance
  • You would like a “My Medicare” consultation to learn more about Part A, Part B, and Part C of Medicare.
  • Have delayed Part B, but will be ready to enroll in the next 12 months
  • Would like to consult on plan options if you are dual eligible (Medicaid eligibility and Medicare eligibility)
  • Need eligibility and application guidance on enrolling in state and federal assistance programs including Medicare Savings Programs (MSP aka Medicaid), Low Income Subsidy (LIS aka extra help), and Pharmaceutical Assistance Programs
  • Would like to consider a lower cost or zero premium plan option
Insurance Services

All of the available plan options are designed to help cover some of the expenses not paid by original Medicare and help limit your annual spending for medical care and prescription drugs.

Original Medicare alone has substantial deductibles and copayments, and you can easily spend thousands of dollars each year for out-of-pocket medical expenses.

Finding a Medicare Plan that Meets Your Needs

We offer professional guidance to help you choose your best fit plan based on your service area, your preferred providers, your current medical needs and budget considerations.

During your consultation we will present options from an array of quality Medicare Advantage Plans, Medicare Supplement Insurance, and Part D Prescription Drug plans specially designed for Medicare-eligible persons.

Ideal Candidate for a Medicare Health Plan:

Needs more benefits beyond what Original Medicare covers

Wants more predictable costs than those offered by Original Medicare alone

Wants both medical and prescription drug coverage

Our team

Medicare Coverage Options

2 Way Get Your Medicare Coverage

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Medicare Coverage Options

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A Medicare Advantage Plan (like an HMO or PPO), sometimes called “Part C” or an “MA Plan” are offered by Medicare-approved private insurance companies that must follow the rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. You’ll generally get your services from a plan’s network of providers.

Advantages:

  • Convenience of single plan
  • Some include prescription drug coverage for no additional premium
  • Some offer additional benefits not covered by Medicare (e.g., preventive care, vision, hearing aids, or transportation)
  • If eligible for Medicare, you cannot be denied coverage
  • If there is a premium, it is not affected by your age or health status

Disadvantages:

  • In most plans, you receive your coverage in a service area – unless it’s an emergency
  • Your access to doctors and hospitals may be limited to a specified network of local providers
  • Plan premiums and terms can change from year to year
    There are limited time periods for enrollment or plan changes

Medicare Part D Prescription Drug Plans provide insurance coverage for your prescription drugs. Your Medicare prescription drug coverage can be provided by a “stand-alone” Medicare Part D plan (only prescription coverage) or a Medicare Advantage plan that includes prescription coverage (an MA-PD) that includes Medicare health and prescription drug coverage. If you join a Medicare Part D prescription drug plan, you will pay a monthly premium.

This is insurance coverage for both brand-name and generic prescription drugs at participating pharmacies in your area. It provides protection for people who have very high drug costs or unexpected changes in your drug needs.

Each Medicare Prescription Drug Plan has its own list of covered drugs called a formulary. Drug formularies can vary greatly from one prescription drug plan to the next, so it is key to ensure that your medications are covered by your chosen Medicare prescription drug plan before you enroll.

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare coverage. Medigap policies pay secondary to Original Medicare and help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Policies are “standardized” in most states by letters A through D, F through G, and K through N.

All policies offer the same basic benefits, but some offer additional benefits. The best time to buy a Medigap policy is during your Medigap “Open Enrollment Period”. This 6-month period begins on the first day of the month in which you’re 65 or older and enrolled in Part B. (Some states have additional Open Enrollment Periods.)

Advantages:

  • Enjoy lower or zero co-pays and deductibles for Medicare A & B covered medical expenses
  • You are guaranteed the right to buy a Medigap plan during your open enrollment period
  • You can pick from various different policy options to get one that suits your needs best
  • A standardized policy is guaranteed renewable, even if you have health problems
  • Choose any doctor or hospital that accepts Medicare patients

Disadvantages:

  • Plan premiums can change from year to year
  • Older beneficiaries pay higher premiums because plans are age- rated and can go up every year. Premiums may also go up because of inflation and other factors.
  • You must purchase a separate Medicare Part D prescription drug plan if you decide you would like to add drug coverage
  • After your open enrollment period, insurers can refuse coverage or charge you a higher premium based on your health, or make you wait to get coverage for an illness you already have

Meet with one of our Medicare experts to find a plan that meets your needs

Contact us for a Personalized Medicare Consultation, a 1:1 Medicare Enrollment, or to schedule a Medicare Central Educational Seminar.

*A sales agent may call, email, or mail as a result of completing the information to discuss Medicare Advantage, Prescription Drug Plans, or Medicare Supplement Insurance.

Disclaimer: Medicare has neither reviewed nor endorsed this information.

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* We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options 24 hours a day, 7 days week (except some federal holidays).