Medicare Guidance for Today and the Future
We help you understand your Medicare options, compare coverage, and consider the healthcare and long-term financial implications of your choices.
INDEPENDENT | MULTIPLE CARRIERS | NO COST TO YOU
How Can We Help?
Choose the option that best describes your situation, and we’ll provide the guidance you need.
New to Medicare
Turning 65 or leaving employer coverage? Understand what happens next and the decisions you’ll need to make.
Getting Started ➝
Review My Coverage
Already on Medicare? Review your coverage, costs, doctors and prescriptions to see whether your current choices still fit your needs.
Review My Options ➝
For Financial Advisors
Help your clients navigate Medicare decisions with a knowledgeable, independent resource.
How I Work With Advisors ➝
Medicare decisions affect more than today's premiums. They can influence your healthcare access, out-of-pocket costs and future flexibility. We help you understand those trade-offs so you can choose with confidence.
Medicare is More Than a Plan Decision
Two Ways to Get Your Medicare Coverage
Understanding the two main approaches is a good place to start.
Original Medicare Path
Part A + Part B, often paired with a Medicare Supplement (Medigap) policy and a separate Part D prescription drug plan.
Broad access to providers who accept Medicare. Medigap can help with out-of-pocket costs
Medicare Advantage Path
Explore This Option ➝
A private-plan alternative for receiving your Medicare Part A and Part B benefits, often including prescription drug coverage.
Typically uses provider networks and may include additional benefits.
Explore This Option ➝
Why Pacifica?
Personalized
Your needs come first
California-Based
Local & statewide
No Cost to You
No additional fees
Education First
Understand before deciding
Independent
Multiple Carriers
Medicare Guidance from Personal Experience
As an independent Medicare insurance agent - and a Medicare enrollee myself - I understand how important it is to get these decisions right. My approach is straightforward: Explain your options clearly, carefully compare alternatives, and give you the information you need to make a confident decision.