Ensuring your Medicare Experience is a Brighter one.

How can I help you?

I look up all of your doctors and prescriptions so that I can help you choose the health plan that is right for you.
I can help you with:

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Health Insurance

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Medicare Health Insurance

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Small Group Health Insurance

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Dental Insurance

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Vision Insurance

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Disability Insurance

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Long Term Care Insurance

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Life Insurance

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Final Expense Life Insurance

Hi! I’m Gloria.

I serve all San Diego County Communities. Choosing insurance plans can be difficult. That’s why I make it easy. I’ll make the calls, compare the plans and prices, and find you the insurance plan that fits your needs. My office handles all types of insurance. I personally specialize in medicare health insurance. I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. We promise never to spam you or sell your information. Best of all, my assistance is at no cost to you.

Contact Gloria

28944 Olive Lane
Valley Center, CA 92082

(760) 580-5153 TTY 711

CA License #0185321

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Frequently Asked Questions

What do you charge for your services?

My services are free to my customers. 

When should you sign up for medicare?

There is a seven-month window to sign up, the three months before your 65th birthday, your birth month, and the three months after your birthday. Of course, it is best to do it as soon as possible.

When is the Annual Enrollment Period?

October 15 – December 7

During this time they may change advantage plans and prescription plans as many times as they like, only the last one stays.

There is also an Open Enrollment period from January 1 to March 31, during this time a person can opt-out of an advantage plan and sign up for a supplement. They can also change advantage plans one time. They may not change prescription drug plans.

Do I have to sign up again every year?

If you are happy with your plan, it will renew automatically. Be sure to read the annual notice of change that the insurance provider sends you or contact your insurance agent to find out any specific changes to your plan.

If I don't have to sign up again, why do I get so much mail from different companies?

The companies want to try to attract you to their plans, that is why it is important to have an agent that can advise you about your needs. That way you don’t have to deal with the confusion of all of the plans.

Why do I need anything other than medicare?

Part A covers 80% of hospitals
Part B covers 80% of doctors
So you need coverage for the other 20%. This can be done either through a supplemental plan and a prescription drug plan or a medicare advantage plan. Medicare Advantage plans include prescription drug coverage and other added benefits, such as vision and hearing coverage.

I don't take prescriptions, why should I sign up for a drug plan?

If you don’t sign up for a prescription drug plan when you are eligible, you will be charged a penalty when you do. This penalty is equal to 1% per month of the average price for a prescription plan, for every month you go without a prescription plan, starting with three months after you became eligible for part B. This is a monthly penalty, and although it actually may be rather small, I would rather pay $7.20 to have something in place, than be responsible for a monthly penalty for the rest of my life.

If I have VA isn't that enough?

The veteran’s administration recommends that veterans apply for part B at the age of 65 as veteran coverage is not considered credible coverage (recognized by the federal government ). So if you sign up for part b after your open enrollment period, you may be subject to a penalty. Also, if you are not close to a VA facility and you get sick or injured, VA may decide that you could have gotten to their facility, rather than pay the bill elsewhere.

Should VA recipients sign up for medicare?

According to the VA’s website, they encourage beneficiaries to sign up for Medicare as soon as they can, this is because:

• There’s no guarantee that Congress will provide enough funding in future years for the VA to provide care to all Veterans who are signed up for VA health care. If they’re in one of the lower priority groups (i.e. Groups 6-8), they could lose their VA health care benefits in the future.

• Having Medicare means they’re covered if they need to go to a non-VA hospital or doctor, so they have more options to choose from.

Depending on a beneficiary’s location to the nearest VA facility or hospital, it may be in their best interest to pursue options with Medicare coverage.

What are the differences between the Coverage Phases?
Deductible Phase

Until you meet your yearly Part D deductible, you will pay full price for your covered prescriptions. Once the annual deductible is met the plan will begin to cover the cost of your drugs based on the plan’s prescription drug benefits. While deductibles can vary from plan to plan, no plan’s deductible can be higher than $445 in 2021, and some plans have no deductible.

Before Gap, or Initial Coverage Phase

In this phase, you will either pay a copay or coinsurance (a percentage of the drug’s cost) when you have a prescription filled. This phase lasts until you and your plan reach a total of $4,130 in 2021 drug spending, at which time you move into the Coverage Gap phase.

During Gap, or Coverage Gap Phase

This phase is commonly referred to as the “Donut Hole.” It occurs after you and your plan reach $4,130 in 2021 in drug spending. During the Coverage Gap phase, you are usually responsible for paying a higher portion of the drug cost. After your true out-of-pocket costs (TrOOP) reach a total of $6,550 in 2021, you move into the Catastrophic Coverage phase. Out-of-pocket costs include your annual deductible as well as your copayments or coinsurance. Premiums do not count towards out-of-pocket costs.

Note: Some plans provide additional coverage in the Coverage Gap, which can lower your share of the cost for drugs during this phase.

After Gap, or Catastrophic Coverage Phase

After you reach a total of $6,550 in 2021 in out-of-pocket prescription drug expenses, you will start paying a different copay or coinsurance for both generic and brand-name prescription drugs. In the Catastrophic Coverage phase, copays are typically lower than during the Initial Coverage phase. This phase lasts until the end of the plan year.

What is the difference between a retail and mail order pharmacy?
Retail pharmacy

Retail pharmacies are physical locations where you have the option to drop off and pick up your prescription. Retail pharmacies can be stand-alone buildings or located within a grocery or superstore. The most common supply through a retail pharmacy is a 1 month supply.

Mail-order pharmacy

Mail pharmacies are when your prescription medicines can be sent to you by mail. The most common supply through a mail-order pharmacy is a 3-month supply.

What is the difference between a standard and preferred pharmacy?
Preferred pharmacy

A pharmacy covered in the plan’s network that offers covered drugs to plan members at lower out-of-pocket costs than what a member would pay at a non-preferred network pharmacy.

Standard pharmacy

Standard pharmacy refers to the pharmacies that participate in your plan’s network but are not “preferred” and therefore may charge a higher copayment or co-insurance for filling your prescription.