Medicare · California Licensed Insurance Agent

Understanding your
Medicare options.

Turning 65 is an important milestone with decisions that can impact your coverage long-term. I review your options with you before you decide, and check your doctors and medications against available plans.

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Medicare

The four parts of Medicare,
clearly explained.

Original Medicare, Advantage plans, prescription drug coverage, and Medigap. Here's what each one does and how they work together.

Parts A & B

The foundation of Medicare. Part A covers hospital stays, skilled nursing, and hospice. Part B covers outpatient care, doctor visits, and preventive services.

  • Hospital stays and skilled nursing facility care
  • Doctor visits and outpatient services
  • Preventive care and screenings
  • Avoiding Part B late-enrollment penalties
  • Coordination with employer coverage or COBRA

Part C — Medicare Advantage

An alternative to Original Medicare offered by private insurers. Often bundles dental, vision, and prescription coverage into one plan.

  • HMO and PPO plan structures
  • Network doctor and hospital check
  • Extra benefits: dental, vision, hearing, fitness
  • Annual plan comparison during AEP (Oct 15 – Dec 7)
  • Special Enrollment Period qualifying events

Part D — Prescription Drug Plans

Standalone drug coverage that works alongside Original Medicare or a Medigap policy. I help compare plans based on your specific medications to help identify lower-cost options.

  • Prescription drug formulary check
  • Tier pricing and cost comparison
  • Avoiding Part D late-enrollment penalties
  • Low Income Subsidy (Extra Help) eligibility
  • Annual review — plans change every year

Medicare Supplement (Medigap)

Fills the gaps Original Medicare doesn't cover. Standardized plans let you compare apples to apples across carriers.

  • Plan G, Plan N, and High-Deductible options
  • Guaranteed issue rights and enrollment timing
  • Carrier pricing comparison (same benefits, different cost)
  • No network restrictions — any Medicare-accepting provider
  • Underwriting rules and health question guidance

2026 Medicare Disclosure: We do not offer every plan available in your area. Currently, we represent 9 organizations which offer 19–34 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE (1‑800‑633‑4227), TTY 711, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. Sky Savarese is a licensed insurance agent, not a government employee. Calling 805-290-9449 will connect you to a licensed insurance agent.

Medicare has neither reviewed nor endorsed this information. Enrollment in a plan depends on the plan's contract renewal with Medicare. We do not discriminate based on race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the enrollment of beneficiaries.

FAQs

Medicare questions,
straight answers.

Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month and ends 3 months after. Enrolling late, even by one month, can result in permanent premium penalties for Part B and Part D. If you have creditable employer coverage, the rules are different. Contact Sky before your birthday to make sure you don't miss your window.
Original Medicare (Parts A & B) is a federal program with no network. You can see any Medicare-accepting provider nationwide. Medicare Advantage (Part C) is offered by private insurance companies and typically uses networks (HMO or PPO). Advantage plans often bundle dental, vision, and drug coverage but may require referrals or limit you to in-network providers. The right choice depends on your health, your doctors, and your budget.
Not everyone does, but Original Medicare alone has no out-of-pocket maximum, meaning a serious illness could result in significant costs. A Medigap plan covers many of those gaps. An important time to enroll is during your 6-month Medigap Open Enrollment Period that starts when you turn 65 and enroll in Part B. During that window, insurers cannot deny you or charge more due to health conditions.
Part A is typically at no additional cost if you or your spouse paid Medicare taxes for at least 10 years. Part B has a standard monthly premium set annually by the government. Part D, Medicare Advantage, and Medigap costs vary by plan, carrier, prescriptions, location, and income. Higher-income individuals may pay more through IRMAA surcharges. Sky will walk through your complete cost picture before you enroll.
With Original Medicare, you can see any doctor who accepts Medicare. With a Medicare Advantage plan, it depends on the plan's network. Before recommending any plan, Sky checks whether your preferred doctors and hospital are in-network. If they're not, she'll either look for an option that includes them or give you a clear picture of the trade-offs.
No. As a licensed broker, Sky is compensated by insurance carriers through commissions already built into the plan's premium. You pay exactly the same price whether you enroll through a broker or directly, but with a broker, you get guidance, plan comparisons, and ongoing support at no additional cost to you.

Turning 65 soon?
Let's get ahead of it.

A 20-minute call can help you avoid costly enrollment mistakes, and Sky will check your doctors and medications against the plans she represents before you decide.

Start a Conversation → Call 805-290-9449
Get in Touch

Let's find your
right Medicare 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
Mon – Fri, 9 AM – 6 PM PT

Contact a licensed insurance agent

Complete the form below if you would like Sky to contact you about Medicare plan options.

By completing the form above, I understand that Sky Savarese, licensed insurance agent, may call or email me to discuss Medicare Advantage Plans, Prescription Drug Plans, and/or Medicare Supplement Insurance. Calls are for marketing purposes. Cellular carrier charges may apply. Providing permission does not impact eligibility to enroll or the provision of services. Consent is given even if the phone number provided is on a Do Not Call registry. You can change permission preferences at any time by contacting Sky Savarese at 805-290-9449. This is a solicitation for insurance.

We do not offer every plan available in your area. Currently we represent 9 organizations which offer 19–34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.