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.


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

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.

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.

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 both medical and prescription drug coverage

Wants more predictable costs than those offered by Original Medicare alone

Understanding Medicare

Medicare Coverage Options

Click on the image above to enlarge

Click on the image above to enlarge

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

Find The Right Insurance Service
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Contact us anytime

(858) 391-8544

* 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).



Frequently Asked Questions

Medicare Questions

Everyone has different health care needs, meaning the coverage that is right for your friends or family may not be right for you. Will you enroll in Original Medicare or would you prefer a Medicare Advantage Plan that may limit your provider networks or have different costs but that offers additional coverage? If you have current employer insurance, you may decide not to enroll in Medicare until you have retired. If you are already retired, you might find that Original Medicare plus retiree insurance works better for you than Original Medicare plus a Medigap (or vice versa). Find out the full range of your coverage options.

There are several programs for people with low incomes that help pay for Medicare-related costs, such as premiums and copays. Some of these programs are federal while others are state-specific. Find out whether you meet the eligibility requirements and take full advantage.

While you should make sure you enroll in Part D prescription drug coverage when you become Medicare-eligible (assuming you do not have other creditable drug coverage), there are many Part D options for you to explore. Keep in mind, too, that sometimes retiree insurance offers prescription drug coverage that is as good as or better than Medicare Part D. If that is the case, you might decide not to take Part D because you are already covered. Finally, if you have difficulty affording your drug costs, you may want to consider applying for programs that can help pay these costs.

 

Everyone has different health care needs, meaning the coverage that is right for your friends or family may not be right for you. Will you enroll in Original Medicare or would you prefer a Medicare Advantage Plan that may limit your provider networks or have different costs but that offers additional coverage? If you have current employer insurance, you may decide not to enroll in Medicare until you have retired. If you are already retired, you might find that Original Medicare plus retiree insurance works better for you than Original Medicare plus a Medigap (or vice versa). Find out the full range of your coverage options.