Coverage Options
Major Medical
HMO Plans
PPO Plans
Medicare Supplements | Ancillary Products
Medicare Supplement
Also known as Medigap plans, Medicare Supplement coverage helps reduce many of the out-of-pocket costs not covered by Original Medicare, including copayments, coinsurance, and deductibles. These plans can provide greater financial predictability and added peace of mind, helping you focus more on your health and less on unexpected medical expenses.
Prescription Drug Plans (Part D)
Stand-alone Medicare Part D plans help cover the cost of outpatient prescription medications for individuals enrolled in Original Medicare. These plans are offered by private insurance companies approved by Medicare and vary in covered medications, pharmacy networks, premiums, deductibles, and copayments.
Dental, Vision & Hearing
Dental, vision, and hearing (DVH) plans are designed to help cover many routine healthcare services not included with Original Medicare. This coverage can help reduce out-of-pocket expenses while supporting your overall health, independence, and quality of life as your healthcare needs change over time.
Recovery & Hospital Indemnity
While a Medicare Supplement plan handles your medical bills beautifully, a hospital stay brings "real-world" expenses health insurance doesn’t touch. This policy pays a set cash benefit directly to you, not the hospital, for each day you are admitted. Use the cash however you see fit: for family travel, help around the house, or daily bills, giving you the freedom to focus entirely on recovery.
Cancer & Critical Illness
Coverage designed to provide financial protection during serious illnesses or unexpected health events. Benefits can help offset out-of-pocket medical expenses, household bills, travel expenses, and other financial obligations, allowing you to focus more on recovery and less on financial stress.
Medicare Advantage (Part C)
Medicare Advantage plans provide Medicare Part A and Part B coverage through a private insurance carrier. Many plans may also include prescription drug coverage and additional benefits such as dental, vision, hearing, or fitness benefits. Plan availability, costs, benefits, and provider networks vary by service area.
Solutions for Employers
Products, services, and benefits may vary by carrier, plan availability, and service areas.
Medicare Supplement and Ancillary
Medicare Advantage
Prescription Drug Programs
Small Business Benefits
The Independent Advantage
More choices. Personalized guidance. Support you can count on.
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As an independent licensed California health insurance broker, I compare options from multiple trusted carriers and help you understand which coverage best fits your needs, priorities, and budget.
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