The top-rated medicare insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 15 medicare insurance agents serving Rancho Santa Margarita.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lori Garabedian - State Farm Insurance Agent | 30052 Aventura # C | (949) 858-4400 |
| 2 | David C. Duncan Insurance Services, Inc. | 30376 Esperanza Suite 200 | (949) 836-8116 |
| 3 | Farmers Insurance - Jerry Farcone | 30201 Aventura Ste 201 | (949) 709-7860 |
| 4 | Rick Sicro - State Farm Insurance Agent | 22362 Gilberto Ste 240 | (949) 240-9300 |
| 5 | Mashco Insurance Solutions Inc | 31 La Cascada | (949) 838-4233 |
| 6 | Adam Bays - State Farm Insurance Agent | 22521 Avenida Empresa Ste 105 | (949) 305-8432 |
| 7 | George Menclewicz: Allstate Insurance | 22342 Avenida Empresa Ste 130 | (949) 459-2795 |
| 8 | Shorr Agency Inc | 30211 Avenida de las Banderas | (888) 737-6200 |
| 9 | Julie's Insurance Services | 30211 Avenida de las Banderas # 200 | (949) 979-6771 |
| 10 | Farmers Insurance - Cameron Watson | 30162 Tomas Ste 205 | (800) 922-6526 |
Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita, California area, offering guidance on Medicare insurance plans. As a local agent, she assists clients in understanding their coverage options during enrollment periods. The work involves helping individuals compare plan benefits and out-of-pocket costs to find suitable protection. This includes direct support for Medicare Supplement and Medicare Advantage plans in the local community.
David C. Duncan Insurance Services, Inc. provides a full range of Medicare insurance agent services for individuals in Rancho Santa Margarita, California. The company assists clients with plan selection, enrollment, and annual policy reviews to ensure ongoing coverage alignment with their healthcare needs. Ongoing plan management and renewal support are also available to policyholders. The office services single-family homes, apartment complexes, retail storefronts, and full-service restaurants in the region.
Farmers Insurance - Jerry Farcone serves homeowners, families, and retirees in Rancho Santa Margarita, California, by guiding them through Medicare insurance options. The agency helps clients understand plan differences, including supplements and Advantage coverage, to match individual healthcare needs and budgets. Customers receive personalized counsel on enrollment periods and cost considerations. The office also provides assistance to residents in nearby Mission Viejo, ensuring broader regional access to Medicare guidance.
Serving Rancho Santa Margarita and the surrounding communities in south Orange County, this agency handles Medicare insurance enrollment and plan selection for local residents. It assists clients in understanding the different parts of Medicare, including original coverage and Medicare Advantage options, to help them make informed decisions during the annual enrollment period. The agency typically conducts a personal consultation to review an individual’s specific healthcare needs and then compares available Part D and supplemental policies to find a suitable fit.
For clients choosing between one-time guidance or ongoing support, this agency assists with initial plan comparisons and continuous coverage updates. As a medicare insurance agent serving Rancho Santa Margarita, CA, Mashco Insurance Solutions Inc helps individuals understand plan benefits, cost structures, and provider networks. Annual enrollment changes and newly available options are addressed each year. Service runs on either a one-time or scheduled basis according to the client’s preference for check-ins or seasonal consultation.
Seniors in Rancho Santa Margarita often face shifting Medicare enrollment periods and plan options each year. Adam Bays - State Farm Insurance Agent provides guidance on Part D prescription drug plans and Medicare Advantage coverage tailored to individual health needs. The agency helps clients evaluate how local provider networks and formularies affect their choices. Each initial consultation begins with a thorough review of the applicant’s current medications and preferred physicians to assess available plan fit.
George Menclewicz: Allstate Insurance provides Medicare insurance agent services in Rancho Santa Margarita, California. The company assists clients with navigating Medicare plan options, including supplement and advantage policies, to help meet individual healthcare needs. Its general work involves educating beneficiaries on coverage details and enrollment processes. As the Annual Enrollment Period approaches each fall, the agent helps residents review and adjust their existing plans to ensure continued suitability for the coming year.
Shorr Agency Inc supports residents in Rancho Santa Margarita with Medicare insurance plan selection and enrollment. Commercial coverage options are also available, with services extended throughout the surrounding local area. Guidance is provided clearly, ensuring clients understand Medicare rules, costs, and enrollment periods without pressure. The agency maintains ongoing contact to address annual plan changes. Shorr Agency Inc encourages clients to schedule follow-up appointments between regular annual reviews to reassess emerging health or budget needs.
Julie's Insurance Services in Rancho Santa Margarita, CA, is known for guiding individuals through Medicare enrollment and plan selection. The company assists clients with understanding Original Medicare, Medicare Advantage, and Part D prescription drug plans. It helps beneficiaries compare coverage options to match their healthcare needs and budgets. Throughout the year, the agency offers personalized support for annual enrollment periods. Additionally, a specialty service the company can add on is consultation for Medicare Supplement plans to reduce out-of-pocket costs.
Located in Rancho Santa Margarita, California, this agency specializes in helping clients understand and enroll in suitable Medicare coverage. Farmers Insurance - Cameron Watson assists individuals with selecting appropriate medical and prescription drug plans tailored to their healthcare needs. The agency also facilitates the integration of additional policies such as Medicare Supplement or Part D options. Serving a diverse client base, the agency provides guidance to small offices requiring group health solutions, commercial warehouses needing employee benefit packages, and food service businesses seeking compliant insurance structures for their workforce.
What Does a a Medicare Insurance Agent in Rancho Santa Margarita Cost?
Medicare insurance agents in California do not charge you a fee for their services. They receive commissions from insurance carriers, which are built into the plan premiums. Typical Medicare Part B premiums in 2025 are around $185 per month for most people, but costs vary by income and plan choice. Medicare Advantage plans may have $0 monthly premiums but include copays and deductibles. This is general information and not insurance advice.
About medicare insurance agents in Rancho Santa Margarita
Medicare insurance agents in Rancho Santa Margarita, California help residents compare plans and enroll in Medicare Part A, Part B, Part D, and Medicare Advantage. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Local agents understand the specific health plan networks available in Orange County.
Frequently Asked Questions
What does a Medicare insurance agent in Rancho Santa Margarita do?
A Medicare insurance agent helps you compare Medicare plans, explain coverage options, and assist with enrollment. They work with multiple insurance carriers to find a plan that fits your needs and budget. Agents in California must follow state rules about scope of appointment and cannot charge you directly for their services.
When can I enroll in Medicare in Rancho Santa Margarita?
Your Initial Enrollment Period starts three months before you turn 65 and ends three months after your birthday month. California also has a Special Enrollment Period for certain situations like losing employer coverage. The Annual Enrollment Period runs from October 15 to December 7 each year.
Are Medicare insurance agents in California paid by commissions?
Yes, Medicare insurance agents are paid commissions by the insurance companies, not by you. California law requires agents to disclose their compensation if you ask. You do not pay extra for using an agent versus enrolling directly with a plan.
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