Caring and experienced guidance for your Medicare journey with reliable guidance that’s personalized just for you.

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1000 +

Clients Served

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15+

Years Experience

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Licensed

CA #0L45469

Expert Medicare Guidance You Can Trust

Licensed Medicare insurance agent
Free consultations and plan comparisons
Ongoing support throughout the year

My name is Alex Pauls. With over 15 years of experience in Medicare insurance in CA, I am dedicated to helping seniors navigate the complex world of healthcare coverage.

My personalized approach ensures you get the right plan for your specific needs and budget without you having to deal with research, phone calls, etc. Even if you already have a Medicare plan years after joining, plans, benefits, and discounts change monthly, I will personally review your account and make sure you are on the best plan possible.

Many people don’t realize that they may be paying more than necessary — and that after choosing a Medicare plan, it can be difficult to switch until the next enrollment window..

WHY CHOOSE US?

15+ years of Medicare expertise
Personalized plan recommendations
No-cost consultations
Year-round support and service
Local community focus and understanding

Medicare Plans & Services

Comprehensive Medicare solutions below

tailored to your unique healthcare needs

Click to call 209-534-4455

Medicare Advantage Plan Benefits

All-in-one coverage: medical, hospital, and prescription drugs
Freedom to choose any doctor
Often includes dental, vision, and wellness extras
Network-based care coordination for streamlined care
Low or $0 monthly premiums
Extra programs and services to support your health

Medicare Supplement Benefits

Fills the gaps in Original Medicare
Covers deductibles, copays, and coinsurance
Freedom to see any doctor nationwide who accepts Medicare
Guaranteed renewable for life
No network restrictions

Prescription Drug Plan (Part D) Benefits

Standalone coverage for prescription medications
Multiple formulary options to suit your needs
Helps you avoid late enrollment penalties
Convenient mail-order pharmacy services

Frequently Asked Questions

Get answers to the most common Medicare questions from California residents

when should I sign up for medicare in california

You can sign up during your Initial Enrollment Period (7 months around your 65th birthday), General Enrollment (January-March), or Special Enrollment if you qualify. If you’re still working with employer coverage, you may be able to delay enrollment without penalties.

what's the difference between medicare parts a, b, c, and d

Part A covers hospital stays, Part B covers doctor visits and outpatient care, Part C (Medicare Advantage) combines A & B with additional benefits, and Part D covers prescription drugs. Each has different costs and coverage rules.

do i need medicare supplement (medigap) insurance in CA?

Medigap helps pay for costs that Original Medicare doesn’t cover, like deductibles and copays. California has specific Medigap regulations and you have guaranteed issue rights during certain periods.

How much does medicare in CA cost?

Costs vary by plan type. Part A is usually free, Part B has a standard premium (higher for high earners), and Part D/Medicare Advantage costs depend on the specific plan you choose.

can i keep my current doctor with Medicare plan?

Though you may still see out-of-network providers with a Medicare Advantage PPO plan, doing so will typically result in higher out-of-pocket costs.

when can i change my medicare plan?

You can change during Open Enrollment (October 15 – December 7) or if you qualify for a Special Enrollment Period due to life changes like moving or losing other coverage.

does medicare cover dental, vision, and hearing aids?

Original Medicare has limited coverage for these services. Many Medicare Advantage plans include dental, vision, and hearing benefits, or you can purchase separate coverage.

what happens if I don't sign up for medicare in time?

Late enrollment can result in permanent penalties for Part B and Part D. The penalty amount depends on how long you delayed enrollment without creditable coverage.