I recently helped a retired couple who had healthcare coverage from a large Northern California utility company. "Fred" had been retired for over ten years. When he first retired the cost of his medicare plan was reasonable but each year he had a small increase in his premium. After ten years the cost became unsustainable. He had Medicare parts A and B but did not know that he had other choices he could make. After having me take a look into it we verified the hard costs and compared it to other alternatives. In the end, I was able to save them $6,000.00 per year for a comparable plan, using their Medicare parts A and B.

"Joe" came to me about his Part D prescription drug plan. The premiums were beginning to get very expensive and important drugs were not in the formulary. I reviewed his needs and found him a cheaper plan that was a better fit. He had lower premiums and smaller co-pays.

"Bob" and "Linda" moved from Southern California. The Medicare plan they had would not cover them in Northern California. They had to find a new plan and pronto. They were also worried about meeting in person due to COVID-19. I suggested a telephone meeting with them and emailed pertinent marketing brochures and plan information. After a brief but clear telephone conversation they felt comfortable with choosing a new plan that I proposed. I then utilized a simple electronic application that they each signed to complete the enrollment. They were very happy with the experience and like having the ability to call a local professional.