The top-rated medicare insurance agent in San Clemente, California is Safe Life Insurance Agency, rated 5.0 stars across 417 reviews. Other highly rated options include Farmers Insurance - Lisa Newell, Doctor Disability, Withers Insurance Services. This directory lists 17 medicare insurance agents serving San Clemente.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Safe Life Insurance Agency | 232 Avenida Fabricante STE 105 | (888) 633-6632 |
| 2 | Farmers Insurance - Lisa Newell | 940 Calle Negocio STE 220 | (949) 487-5487 |
| 3 | Doctor Disability | 1271 Puerta Del Sol | (866) 899-7318 |
| 4 | Withers Insurance Services | 638 Camino De Los Mares | (949) 637-2700 |
| 5 | Divel Insurance | 501 N El Camino Real UNIT 204 | (949) 829-3639 |
| 6 | General Insurance Services | 629 Camino De Los Mares STE 306 | (949) 661-2201 |
| 7 | Mundell Insurance Agency - Garrett Mundell; Farmers Insurance | 2340 S El Camino Real # 1 | (949) 269-7860 |
| 8 | Unity One Insurance | 629 Camino De Los Mares #202b | (949) 450-1822 |
| 9 | Diamond Preferred Insurance Services | 1100-1198 Caminante | (949) 648-2922 |
| 10 | Patrick and Patrick Insurance Services Inc. | 225 W Escalones | (949) 294-5814 |
Safe Life Insurance Agency serves clients throughout the San Clemente area, specializing in Medicare insurance guidance and enrollment. This local agency assists beneficiaries in understanding their options for Medicare Advantage and Medicare Supplement plans, helping match coverage to individual healthcare needs. The agent works directly with seniors to navigate plan changes during Annual Enrollment Periods and special circumstances. Services handled in this region include comparing Part D prescription drug plans and coordinating with existing medical providers.
Farmers Insurance - Lisa Newell provides Medicare insurance guidance and plan selection assistance to residents in and around San Clemente, California. Services include explaining Medicare options, comparing Part D prescription drug plans, and coordinating Medigap supplement coverage. Ongoing annual plan reviews help ensure coverage remains aligned with healthcare needs and budget. Policy changes during open enrollment, and retirement transition counseling, are standard offerings. As a local agency, it serves a variety of accounts, including single-family homes, apartments, retail businesses, and restaurants.
Doctor Disability serves seniors and individuals approaching Medicare eligibility in San Clemente, California, offering guidance on Medicare Advantage plans, prescription drug coverage, and Medigap policies. The company helps clients compare local plan options to find coverage suited to their healthcare needs and budget. Standard services include annual plan reviews and enrollment assistance for initial or changing circumstances. The agency also assists residents in nearby Dana Point with their Medicare insurance needs.
Serving San Clemente and the surrounding Orange County communities, Withers Insurance Services helps clients navigate the complexities of Medicare, from initial enrollment to annual plan changes. The agency works with local retirees to understand their healthcare needs and available coverage options. To begin a typical engagement, they first conduct a thorough review of a client’s current health and prescription drug usage before comparing available plans for that calendar year.
As a Medicare insurance agent in San Clemente, California, Divel Insurance offers guidance on plan options such as Medicare Advantage, Part D prescription drug coverage, and Medicare Supplement policies. It helps clients compare plans to match their health needs and budget throughout the annual enrollment period. The agency also assists those new to Medicare, explaining the initial enrollment process and potential penalties. During the Medicare Annual Enrollment Period each fall, it helps clients review plan changes and adjust coverage if their prescriptions or preferred providers have shifted.
General Insurance Services in San Clemente, CA offers Medicare insurance guidance for clients weighing one-time plan selection against ongoing policy adjustments. Coverage explanations focus on individual needs, such as comparing supplemental and advantage plans for local seniors. The agent provides details on how enrollment periods affect choices and health care access. Service runs on a one-time, scheduled, or as-needed basis, depending on whether a client requires a single review or periodic consultations for plan updates.
With new Medicare enrollment periods arriving annually, many San Clemente residents seek help navigating their coverage options. Mundell Insurance Agency, operated by Garrett Mundell under Farmers Insurance, assists local clients in comparing Medicare supplement and Advantage plans best suited to their healthcare needs. The agency provides clear guidance on enrollment deadlines and out-of-pocket costs throughout southern Orange County. An initial consultation typically begins with a thorough review of the individual’s current prescriptions and preferred providers to determine appropriate policy choices.
Unity One Insurance assists clients with navigating their Medicare coverage options from its location in San Clemente, California. As a Medicare insurance agent, the company helps individuals understand plan choices and enroll in appropriate policies. The agency offers supplemental plans and prescription drug coverage additions. It serves the needs of commercial sectors, including office workers, warehouse staff, and food service employees.
Diamond Preferred Insurance Services serves residents of San Clemente, California, helping individuals in the area navigate their Medicare options. The agency also assists with commercial coverage for small business owners seeking group health plans and coordinates service throughout Orange County and nearby coastal communities. They work closely with clients during annual enrollment periods to review plan changes and adjust coverage as needed. Ongoing support includes follow-up assistance between regular visits to address any claims questions or benefit changes that may arise.
Patrick and Patrick Insurance Services Inc. in San Clemente helps local residents navigate Medicare options. The firm focuses on explaining plan differences and enrollment periods for each client. It provides guidance across standard Medicare parts, including prescription drug coverage and supplemental policies. Understanding that healthcare needs change over time, the agency updates plans annually during open enrollment. A specialty service it can add on is coordinating dual eligibility for clients who also qualify for Medi-Cal benefits.
What Does a a Medicare Insurance Agent in San Clemente Cost?
Medicare insurance agents in California do not charge a fee for their services. They are compensated by insurance carriers through commissions. The cost of Medicare plans varies: Medicare Part B has a standard monthly premium of $174.70 in 2024, while Medicare Advantage plans often have $0 monthly premiums but may have copays and deductibles. Part D prescription drug plans average around $30 to $50 per month in California. This is general information, not insurance advice.
About medicare insurance agents in San Clemente
Medicare insurance agents in San Clemente, California help residents navigate Medicare Part A, Part B, Medicare Advantage, and Part D prescription drug plans. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Local agents can explain how your Orange County location affects plan availability and costs.
Frequently Asked Questions
What is the role of a Medicare insurance agent in San Clemente?
A Medicare insurance agent helps you compare plans, enroll in coverage, and understand your options. They are licensed by the state of California and can assist with both Original Medicare and Medicare Advantage plans. Agents do not charge you directly because they are paid by insurance companies.
When can I enroll in a Medicare plan in California?
You have a seven month Initial Enrollment Period starting three months before your 65th birthday. California also has a Medicare Annual Enrollment Period from October 15 to December 7 each year. If you miss these windows, you may qualify for a Special Enrollment Period due to life events like moving or losing other coverage.
Are Medicare insurance agents required to follow California laws?
Yes, agents must follow California Insurance Code Section 1749.85 which prohibits certain sales practices and requires clear disclosure of commissions. They must also provide you with a written list of plans they represent. You can verify an agents license on the California Department of Insurance website.
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