Medicare
Clear guidance through Medicare so you understand your options and choose coverage that fits your doctors, prescriptions, and long-term needs.
Medicare guidance →I help individuals navigate retirement with clarity and confidence, including Medicare, long-term care, and protection for the people they love.
Retirement planning can feel overwhelming. My goal is to make it feel clear, calm, and manageable, so you can make informed decisions with confidence and clarity.
Independent guidance focused on education and clarity. As a broker, I represent multiple carriers and help you compare options at no additional cost to you.
Where to Begin
What can Sky help you with?
Whether you need Medicare guidance in Ventura County, retirement planning in Ventura County, or broader California Medicare guidance, start with the question that feels closest to your life right now.
Turning 65?
Learn how Medicare works before enrollment deadlines arrive.
Get clear, local support from an Ojai Medicare agent who can explain timelines, plan types, prescriptions, doctors, and what to review before you enroll.
Explore Medicare guidance → Already on Medicare?Review coverage, prescription costs, and plan changes.
Compare how your current coverage fits your doctors, medications, travel, and budget before the next review window or plan change.
Review your coverage → Planning for Retirement Income?Explore strategies for creating reliable income in retirement.
Talk through preservation, tax diversification, annuities, and insurance-based income tools with education-first guidance.
Explore retirement planning → Concerned About Long-Term Care?Understand options for protecting assets and preparing ahead.
Learn how long-term care planning can help protect family choices, care preferences, and the savings you worked to build.
Understand long-term care →
Retirement Planning
Protect the income, choices, and legacy you worked for.
Retirement planning is not just about products. It is about preserving what you have built, creating dependable income, and preparing for the what-ifs that can change a family's future.
Explore Retirement Planning →
Preservation & Growth
Talk through whether protection, measured growth, or a blend of both better fits your comfort level.
Income Strategies
Review whether insurance-based income tools belong in your retirement picture.
Tax Considerations
Understand the basics while coordinating tax questions with your tax advisor.
Legacy Planning
Coordinate insurance and retirement strategies with the people and causes you want to protect.
Services
The details that make
The details that make
all the difference.
I take the time to educate my clients so they can make informed choices, and build lasting relationships rooted in trust.
Life Insurance
Protection for the people you love, with broker-led guidance around term, whole life, indexed universal life, and living benefits.
Life insurance help →Long-Term Care
Education-first planning for care at home, assisted living, family impact, and the costs Medicare may not cover.
Long-term care planning →Retirement Planning
Strategies focused on preservation, income replacement, tax diversification, and legacy planning.
Retirement planning →Dental & Vision
Supplemental coverage to help manage everyday healthcare needs that aren’t always included in traditional plans.
About Me
Sky Savarese
Licensed Insurance Agent · CA License #0I92287
Sky brings nearly two decades of banking and private client experience to her work as an independent insurance agent. That background shaped the way she serves clients today: with careful listening, clear education, and an understanding that important financial decisions deserve time and context.
Her work focuses on Medicare, retirement income strategies, life insurance, and long-term care planning for individuals and families throughout California. Rather than rushing decisions, Sky helps clients understand their options, compare tradeoffs, and move forward with confidence.
Based in the Ojai Valley, Sky takes a local, relationship-centered approach while serving clients across the state. Her goal is to make insurance and retirement planning feel more understandable, more personal, and easier to navigate.
Nearly two decades in banking
Private client experience
Ojai Valley local
Client education first
Trust-based relationships
Independent broker guidance
How It Works
A clear process, guided step by step.
Sky helps you understand the choices in front of you, compare options thoughtfully, and move forward at a comfortable pace.
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Complimentary Consultation
Begin with a conversation about your goals, current coverage, timing, budget, and what you want your plan to accomplish.
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Education & Comparison
Review available options with clear explanations, practical context, and attention to the details that matter for your life.
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Thoughtful Enrollment
When you are ready, Sky helps with the enrollment steps and makes sure the process is handled carefully.
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Ongoing Support
After enrollment, you have a direct point of contact for future questions, reviews, and changes as your needs evolve.
Where We Work
Proudly serving all of California.
From Eureka to San Diego, the Bay Area to the Sierra Nevada. If you live or work in California, Sky has you covered.
Eureka
Arcata
Redding
Chico
Santa Rosa
Napa
San Francisco
Oakland
Sacramento
Davis
Stockton
Fresno
Monterey
San Luis Obispo
Santa Barbara
Bakersfield
Los Angeles
Long Beach
Riverside
Palm Springs
Ojai
San Diego
Client Stories
Clear guidance. Personal support.
Clients come to Sky for thoughtful explanations, steady follow-through, and help comparing their options.
★★★★★
"Sky took the time to explain my options in a way that finally made sense. I never felt rushed or pushed, and I appreciated having someone local I could call with questions."
★★★★★
"I had a lot of questions about coverage and timing. Sky was patient, organized, and clear about what I needed to consider before making a decision."
★★★★★
"Medicare felt overwhelming at first. Sky walked through the basics, answered my questions, and helped me feel more prepared to compare my choices."
Testimonials reflect individual experiences and are not a guarantee of future service outcomes, plan availability, eligibility, costs, or coverage. Individual needs and options vary.
FAQs
Frequently asked
Frequently asked
questions.
Nothing. Brokers are compensated by insurance carriers through commissions that are already baked into your premium. You pay exactly the same price whether you use a broker or buy directly, but with a broker, you get guidance, plan comparisons, and ongoing support at no additional cost.
Your first Medicare enrollment window is usually your 7-month Initial Enrollment Period: the 3 months before your 65th birthday month, your birthday month, and the 3 months after. If your birthday is on the first of the month, Medicare treats your eligibility as starting the month before. The Annual Enrollment Period, October 15 through December 7, is mainly for changing Medicare Advantage and Part D drug plans. The Medicare Advantage Open Enrollment Period, January 1 through March 31, is for people already in a Medicare Advantage plan. If you missed your first window, the General Enrollment Period runs January 1 through March 31, with coverage starting the month after you enroll and possible late penalties. Some people also qualify for a Special Enrollment Period, such as when eligible employer coverage ends.
It depends on the type of coverage you choose. Original Medicare with a Medicare Supplement generally works differently from Medicare Advantage plans, which often use HMO or PPO networks. Sky can help you compare how your doctors, hospitals, prescriptions, and travel habits fit with the options available in your area.
If you already have a Medicare Supplement, also called Medigap, California gives you a 60-day window following your birthday each year to apply for a new Medigap policy with the same or lesser benefits without medical screening or a new waiting period. This is separate from Medicare's fall Annual Enrollment Period and can be a useful time to review whether your current supplement still fits.
Medicare helps with medical care, but it does not solve every financial risk in retirement. Life insurance can help protect loved ones or leave money for final expenses, while long-term care coverage can help plan for extended care needs that health insurance and Medicare may not cover in the way people expect.
Annuities can be used to create predictable income, protect part of your savings from market loss, or support a broader retirement income strategy. They are not one-size-fits-all, so Sky helps review the purpose, costs, liquidity, surrender periods, and guarantees before you decide whether one belongs in your plan.
Get in Touch
Let's find your
Let's find your
right plan.
Fill out the form and Sky will personally follow up. No robo-calls, no spam. Just a real conversation.
805-290-9449 | TTY: 711
Ojai, CA · Serving All of California
Mon – Fri, 9 AM – 6 PM PT