Medicare is confusing. We make it simple. Licensed agents, no cost to you, ever.
Carriers We Work With
Your California & Hawaii Medicare Agent
I've been helping California and Hawaii residents find the right Medicare coverage since 2003. Based in Roseville, I serve communities throughout Northern California and Hawaii. Every consultation is free and no-pressure.
Book a Free Call with ThomasFrom your first Medicare enrollment to managing your small business benefits, we have the expertise to guide you to the right plan.
Medicare Advantage (Part C) plans bundle your hospital, medical, and often prescription drug coverage into one convenient plan. We compare all available plans in your area to find the best fit for your doctors and budget.
Learn More →Also called Medigap, these plans help cover the out-of-pocket costs that Original Medicare doesn't pay, including copays, coinsurance, and deductibles. We'll find you the best rate across all carriers.
Learn More →Prescription drug coverage is critical to your Medicare plan. We analyze your current medications and compare Part D plans to minimize your annual drug costs.
Learn More →Whether you need coverage through Covered California or an off-marketplace plan, we'll find options that fit your family's needs and budget.
Learn More →Group health insurance for businesses with 1-100 employees. Attract and retain top talent with employer-sponsored coverage that creates tax advantages.
Learn More →Specialized Medicare guidance for Hawaii residents. We understand the unique carrier landscape and plan options available across the Hawaiian Islands.
Learn More →Learn & Decide
Plain-language guides and videos to help you make confident Medicare decisions.
Finding the right Medicare plan takes just three simple steps.
Call us or submit a quote request online. We'll gather basic information about your doctors, prescriptions, and budget.
We compare plans from all major carriers in your area and present you with the best options, side by side, with no jargon.
We handle the enrollment paperwork and remain your advocate year-round for billing issues, plan changes, and questions.
Even if you already have a Medicare plan, it's worth a second look.
Switching from Plan F to Plan G. Same coverage for most clients, just a smarter structure.
Moving to a plan that better matches your doctors and prescriptions can eliminate out-of-pocket costs many people don't realize they're overpaying.
No cost. No obligation.
Your rate is identical whether you come through us or go directly to the carrier. We're paid by the carriers, not by you.
We work for you, not the carriers.
We're contracted with all major carriers so we can compare every option in your area and recommend the plan that fits your doctors and your budget, not our commission.
Serving CA & Hawaii since 2003.
Over two decades in the California and Hawaii markets means we know the plans, the carriers, and the traps to avoid. There's no faking that kind of experience.
No jargon. Just straight answers.
Yes, completely. Your rate is identical whether you work with us or go directly to the carrier. We're paid a commission by the insurance companies, not by you, and those commissions don't affect your premium in any way. You get an expert in your corner at zero cost.
Absolutely. You don't have to be starting from scratch. If you already have a plan and you're not sure it's the right one, or if your circumstances have changed, we can review it, compare alternatives, and make changes on your behalf. Reach out and we'll walk you through it.
This has become one of the most important parts of what we do. Online provider directories can be inaccurate or outdated. We verify your specific doctors across multiple sources before recommending any plan, because being in-network isn't something you want to find out about after the fact.
Most comparisons take less than 10 minutes once we have basic information from you: date of birth, ZIP code, current medications, and your doctors' names. We can screen plans and run quotes in the same call. Enrollment is straightforward from there -- we handle the paperwork.
Very little. For Medicare, we need your date of birth, ZIP code, and a list of your current medications and doctors. For Covered California, we also need your best estimate of household income for the year. That's it, we take it from there.
Local expertise across California and Hawaii.
Our services are always free. Your rate is identical whether you come through us or go directly to the carrier -- we're paid by them, not by you.
Our licensed agents will run quotes across every major carrier in your area to find the plan that best fits your doctors, prescriptions, and budget, at no cost to you.
Free guidance from a licensed California agent. No pressure, no cost.
