The top-rated medicare insurance agent in Santa Cruz, California is Chris Buich - State Farm Insurance Agent, rated 4.9 stars across 410 reviews. Other highly rated options include Lydia Harville - State Farm Insurance Agent, DCD Financial & Insurance Services, Paul Nelson Insurance Services. This directory lists 16 medicare insurance agents serving Santa Cruz.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chris Buich - State Farm Insurance Agent | 2222 E Cliff Dr Ste 200 | (831) 464-4300 |
| 2 | Lydia Harville - State Farm Insurance Agent | 1044 41st Ave | (831) 476-6665 |
| 3 | DCD Financial & Insurance Services | 1123 Soquel Ave | (831) 423-8542 |
| 4 | Paul Nelson Insurance Services | 730 Mission St #201 | (831) 426-9900 |
| 5 | Skip Leonard - State Farm Insurance Agent | 1101 Water St | (831) 429-2700 |
| 6 | Ace Althouse - State Farm Insurance Agent | 1215 Mission St | (831) 420-1555 |
| 7 | Shockley Insurance Solutions | 519 Seabright Ave Suite #213 | (831) 600-8755 |
| 8 | HealthMarkets Insurance - Manfred Luedge | 505-A River St | (831) 750-9343 |
| 9 | Bedell & Nelson-Harbert Insurance | 2035 N Pacific Ave | (831) 426-3700 |
| 10 | Clarion Pacific Insurance Services | 2035 N Pacific Ave ste a | (831) 337-4661 |
Serving Santa Cruz and the surrounding communities of the Monterey Bay area, Chris Buich - State Farm Insurance Agent handles Medicare insurance needs, including plan comparisons and enrollment support. As a licensed Medicare Insurance Agent, the office assists clients with navigating coverage options and understanding out-of-pocket costs. To manage a typical case, the agency begins with a personal consultation to review an individual’s current health needs and budget, then carefully compares available plans to recommend a suitable policy.
Lydia Harville - State Farm Insurance Agent serves the Santa Cruz, California metro area as a local medicare insurance agent. The company assists clients with navigating their coverage options, a process that requires careful consideration of individual healthcare needs. It also provides ongoing support for those managing their plans year-round. Specific services this agency handles in this region include helping clients compare Medicare Advantage and Medicare Supplement plans.
DCD Financial & Insurance Services provides Medicare insurance guidance for individuals living in Santa Cruz, California. The company helps clients navigate plan options including supplements, advantage plans, and prescription drug coverage, then supports ongoing enrollment changes. Service includes annual plan reviews and assistance with claims questions throughout the year. For clients approaching eligibility, this agency offers explanation of enrollment periods, late penalties, and coordination with existing health coverage. DCD Financial & Insurance Services serves local property owners with single-family homes, apartments, retail spaces, and restaurants.
Residents and families in Santa Cruz seeking guidance through Medicare options turn to Paul Nelson Insurance Services for assistance. The company helps individuals navigate plan selections, including Medicare Advantage and Supplement policies, to suit healthcare needs and budgets. As a local Medicare insurance agency, it provides personalized consultations to clarify coverage choices during enrollment periods. The team serves clients throughout Santa Cruz and also extends its services to neighboring communities in the Scotts Valley area.
Serving Santa Cruz and the surrounding communities, Skip Leonard - State Farm Insurance Agent provides Medicare insurance guidance. The agency helps clients navigate plan options and enrollment periods. A typical job begins with an initial consultation to review individual healthcare needs and existing coverage. The agent then explains available Medicare Advantage, Supplement, and Part D plans. The approach focuses on comparing benefits and costs to find a suitable match for each person’s specific situation.
For clients choosing a Medicare supplement, the initial enrollment period represents a one-time decision, while annual plan adjustments offer a recurring service option. This agent provides explanations regarding coverage for hospital stays, prescription drugs, and preventive care under Medicare Part A and Part B. Policies are designed to help manage out-of-pocket costs for local seniors in Santa Cruz, CA. Service is offered on a scheduled basis, with appointments available to review annual changes or update existing plans during the Open Enrollment Period.
Shockley Insurance Solutions specializes in Medicare Supplement and Part D prescription drug plans, serving individuals navigating their healthcare coverage options in Santa Cruz, CA. The agency provides thorough comparisons of available plans, helping clients understand differences in costs and provider networks. It assists with annual enrollment periods, ensuring policyholders review their current coverage for potential changes in premiums or benefits. The company also helps those newly eligible for Medicare transition smoothly from employer-based insurance during their initial enrollment window.
HealthMarkets Insurance - Manfred Luedge assists clients in Santa Cruz, California, with their Medicare insurance needs, helping them navigate plan options and enrollments. The agency specializes in Medicare Supplement, Medicare Advantage, and Part D prescription drug plans. It provides personalized guidance to ensure individuals understand coverage choices that fit their health requirements and budgets. This Medicare insurance agent can serve commercial sectors such as local medical offices, professional warehouses, and food service businesses seeking group or individual health solutions.
Serving residents in Santa Cruz, this local medicare insurance agent helps individuals navigate plan options for their healthcare needs. Commercial coverage is also available for local small businesses seeking group benefits. Service extends throughout the broader Santa Cruz area and its surrounding communities. New clients receive thorough support during enrollment periods, and existing customers can return for annual plan reviews or adjustments when their coverage needs change between regular visits.
As the Annual Enrollment Period approaches each fall, seniors in Santa Cruz often need clear guidance through complex Medicare changes. Clarion Pacific Insurance Services responds with focused, local expertise to help individuals compare Part D plans and Medicare Advantage options without confusion or pressure found in national advertising. Each conversation begins with a thorough review of the client’s current coverage and healthcare needs. This preliminary consultation determines eligibility, plan limitations, and possible cost reductions, allowing the agent to recommend a tailored solution before scheduling an in-depth plan comparison appointment.
What Does a a Medicare Insurance Agent in Santa Cruz Cost?
Medicare insurance agents in California generally do not charge consumers directly for their services. They receive commissions from insurance carriers. Plan costs vary: Medicare Part B has a standard premium of $174.70 per month in 2024, while Medicare Advantage plans may have $0 premiums or monthly costs up to $200. Part D premiums average around $40 per month. This is general information, not insurance advice.
About medicare insurance agents in Santa Cruz
Medicare insurance agents in Santa Cruz, California help residents compare Medicare Advantage, Supplement, and Part D plans. California state law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Local agents understand the specific network options available in Santa Cruz County, including providers at Dominican Hospital and Palo Alto Medical Foundation.
Frequently Asked Questions
What is the role of a Medicare insurance agent in Santa Cruz?
A Medicare insurance agent helps you review and enroll in Medicare plans, including Part D and Medicare Advantage. They are licensed in California and can explain plan benefits, costs, and network restrictions. They do not provide legal advice but can assist with plan selection.
When can I enroll in Medicare in California?
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 life events. Missing deadlines may result in late enrollment penalties.
Are Medicare insurance agent services free in Santa Cruz?
Most Medicare insurance agents are paid by insurance companies, not by you. Their services are typically free to consumers. However, you should confirm this with the agent before working with them.
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