Every option on the table explained side by side.

Medicare stays primary and your Supplement (Medigap) plan picks up the deductibles and coinsurance you'd otherwise owe out of pocket.

• See any doctor or specialist nationwide that accepts Medicare
• No networks and no referrals required
• Plan G and Plan N compared side by side with real rate history
• Travel coverage for the months you're away from Fresno

Often little or no monthly premium, bundling drug coverage plus benefits Original Medicare never included. We check every network carefully so your doctors stay in.

• Dental, vision, hearing and fitness benefits included on most plans
• Prescription drug coverage built in
• Doctor and pharmacy network verified before you enroll
• Annual out-of-pocket maximum explained in plain English

Extended care is the single biggest threat to a retirement nest egg. We size coverage to your real budget instead of selling you the biggest policy available.

• Home care, assisted living and nursing facility options
• Hybrid life/LTC designs so premiums are never wasted
• Inflation protection modeled out 10 and 20 years
• Honest guidance on whether you even need a policy

Straightforward coverage for funeral costs, final medical bills and the loose ends that follow. Simplified underwriting options mean many clients qualify with a few health questions.

• No-exam and guaranteed-issue options available
• Benefit paid directly to the person you name, usually within days
• Coverage from $5,000 to $50,000+
• Rates locked for life, they never increase

Original Medicare simply doesn't pay for routine dental, glasses or hearing aids. Standalone plans cover the care you actually use every year.

• Cleanings, fillings, crowns and dentures on tiered schedules
• Annual eyewear and exam allowances
• Hearing aid allowances worth thousands
• Use your own dentist on most PPO designs

Plans change every single year, and so do you. Each fall we re-run your doctors, prescriptions and pharmacy to confirm you're still on the right plan.

• Drug list re-priced across every available plan
• Open enrollment handled for you, October through December
• Claims help and appeals support year round
• A real person answers the phone, not a call center