Speak with a Licensed Insurance Agent, M-F 9am-5pm PT | 1-800-815-1943, TTY 711
Boomers licensed Medicare agents meeting with clients in Southern California

Boomers Insurance Services

Licensed Medicare Agents Near You in Southern California

Medicare guidance you can trust — year after year. Compare Medicare Advantage, Medigap and Part D plans with a local licensed agent, at no cost to you.

  • Licensed in 46 states
  • Offices across Southern California
  • Se habla español
  • No cost to you

Speak With a Licensed Agent

Your agent helps you enroll, compare Medicare options, and choose the coverage that best fits your needs.

Call 1-800-815-1943

TTY 711 · Monday – Friday, 9 AM – 5 PM PT

Explore Your Medicare Options Online

Answer a few quick questions so a licensed insurance agent can understand your needs and review Medicare plan options available in your area. It takes about 2 minutes.

Start Medicare Intake

This is a solicitation for insurance. You may be contacted by a licensed insurance agent.

Your way

Explore Your Medicare Options — Your Way

Choose how you’d like to learn about Medicare. Whether you prefer speaking with a licensed insurance agent, reviewing plans online, or scheduling a call, we’re here to help you understand your options.

Speak With a Licensed Agent

Get guidance from a licensed Boomers Insurance agent over the phone.

Monday – Friday, 9 AM – 5 PM PT · TTY 711

Simply Enroll Online

Explore Medicare plan options available in your area, including coverage for doctors, prescriptions, and additional benefits.

See plans in my area

Results are based on available plans in your area.

Schedule an Appointment

Book a time to speak with a licensed insurance agent at your convenience.

Medicare plan changes are subject to eligibility and qualifying enrollment periods. Not all consumers qualify to enroll in or change plans at any time of the year. A licensed insurance agent can help determine eligibility based on the consumer’s situation.

A licensed Medicare agent reviewing plan options with a couple at a desk

A licensed agent walks you through your options, in English or Spanish.

How it works

Three steps to a plan you understand

There is no cost for an agent’s help, and no pressure to decide on the first call.

  1. Tell us about you

    Your doctors, your prescriptions, your budget and how you prefer to get care. By phone, online or at an office.

  2. We compare the plans in your county

    A licensed agent reviews the Medicare Advantage, Medigap and Part D plans offered where you live and explains the differences in plain language.

  3. Enroll, and keep your agent

    Your agent helps you enroll and stays your contact year after year: new cards, plan changes, questions about a bill.

Medicare basics

Medicare vs Medicare Advantage vs Medigap: what’s the difference?

Original Medicare is Part A (hospital) and Part B (medical) from the federal government. A Medicare Advantage plan (Part C) gives you your Part A and Part B coverage through a private company that contracts with Medicare, usually with drug coverage included. A Medigap policy (Medicare Supplement) works alongside Original Medicare and helps pay the costs Original Medicare leaves to you.

Medicare, in four parts (plus Medigap)

  • Part A

    Hospital Insurance

    Inpatient hospital stays, skilled nursing facility care, hospice and some home health care.

  • Part B

    Medical Insurance

    Doctor visits, outpatient care, preventive services and durable medical equipment.

  • Part C

    Medicare Advantage

    Part A and Part B through a private plan that contracts with Medicare; most plans include drug coverage.

  • Part D

    Drug coverage

    Prescription drug coverage from a private plan, added to Original Medicare.

  • Medigap

    Medicare Supplement Insurance

    Sold by private companies; helps pay some of the costs Original Medicare leaves to you, such as deductibles and coinsurance.

Two ways to put your coverage together

Option 1

Original Medicare, with add-ons

Keep Part A and Part B from the federal government and add what you need.

Part APart BPart D planMedigap policy
  • Any provider in the US that accepts Medicare
  • A separate Part D plan for prescriptions
  • A Medigap policy helps pay deductibles and coinsurance

Option 2

Medicare Advantage (Part C)

One plan from a private company that contracts with Medicare.

Included in one plan

Part APart BUsually Part D
  • Part A, Part B and usually Part D in one plan
  • A provider network, with referrals in most HMOs
  • A yearly out-of-pocket maximum; many plans add dental, vision or hearing benefits

Side by side

Original Medicare

Who runs it
The federal government
Doctor choice
Any provider in the US that accepts Medicare
Drug coverage
Not included; add a Part D plan
Extra benefits
Routine dental, vision and hearing generally not covered
Out-of-pocket costs
Deductibles and coinsurance, with no yearly limit on what you pay

Medicare Advantage (Part C)

Who runs it
Private companies that contract with Medicare
Doctor choice
HMOs generally need in-network providers and referrals; PPOs allow out-of-network care at a higher cost
Drug coverage
Usually included
Extra benefits
Many plans include some dental, vision and hearing benefits; they vary by plan
Out-of-pocket costs
Copays or coinsurance up to the plan’s yearly out-of-pocket maximum

Medigap (Medicare Supplement)

Who runs it
Private insurers; it works with Original Medicare
Doctor choice
Same as Original Medicare
Drug coverage
Not included; add a Part D plan
Extra benefits
Not included; stand-alone dental or vision insurance can be bought
Out-of-pocket costs
The policy helps pay deductibles and coinsurance, depending on the plan

The table is a general guide. Costs and benefits differ from plan to plan, so compare the actual plans offered where you live.

Medigap vs Medicare Advantage: which one fits you?

A Medigap policy keeps Original Medicare and any doctor in the United States who accepts it, helps pay Original Medicare’s deductibles and coinsurance, and pairs with a separate Part D plan. A Medicare Advantage plan puts hospital, medical and usually drug coverage in one plan with a provider network, a yearly out-of-pocket maximum and often some dental, vision or hearing benefits. You cannot have both at the same time. Which one fits you depends on your doctors, your prescriptions and how you prefer to pay; a licensed agent can compare the plans offered in your county with you.

Enrollment periods

When can you sign up or change plans?

Medicare has set windows for joining and changing plans. The dates are the same every year; outside them you need a Special Enrollment Period.

  • Annual Enrollment Period

    October 15 – December 7 · Everyone with Medicare

    Join, switch or drop a Medicare Advantage or Part D plan. Changes start January 1.

  • Medicare Advantage Open Enrollment Period

    January 1 – March 31 · People already in a Medicare Advantage Plan

    One change: switch to another Medicare Advantage Plan, or go back to Original Medicare and add a Part D plan.

  • General Enrollment Period

    January 1 – March 31 · People who did not sign up when first eligible

    Sign up for Part A and/or Part B. Coverage starts the month after you sign up; a late enrollment penalty may apply.

Turning 65? Your 7-month window

Initial Enrollment Period

-3
-2
-1
65
+1
+2
+3

Starts 3 months before the month you turn 65 and ends 3 months after it. Sign up before your birthday month and coverage usually starts the month you turn 65. If you have coverage from a job, you may be able to delay Part B without a penalty.

Turning 65 checklist

Life changed? You may not have to wait

Special Enrollment Periods

  • You move out of your plan’s service area
  • You lose coverage from a job, a union or Medicaid
  • Your plan leaves Medicare or stops serving your area
  • You qualify for Extra Help with drug costs

Each one has its own rules and deadline. A licensed agent can check whether one applies to you.

Ask about your situation

Medicare guides

Turning 65, or reviewing your plan for 2027?

Plain-language guides to Medicare’s enrollment dates and rules, checked against official Medicare and California sources. Annual Enrollment runs October 15 – December 7, 2026.

Medicare Blogs

Medicare, explained in plain language

Medicare Cost in 2027: What You Pay Now and What's Confirmed

Costs & Help Paying

Medicare Cost in 2027: What You Pay Now and What's Confirmed

How much Medicare costs depends on which parts you have. In 2026 the standard Part B premium is $202.90 a month and the Part A hospital deductible is $1,736. CMS has not yet announced the 2027 Part A and Part B amounts, while the 2027 Part D cap and a few other figures are confirmed. Here is your Me

10 min read

Medicare Basics

Does Medicare Pay for Hearing Aids? What Is and Isn’t Covered

Does Medicare pay for hearing aids? Not under Original Medicare: it doesn’t cover hearing aids or the exams to fit them, so you pay the full cost. Part B does cover diagnostic hearing and balance exams. Many Medicare Advantage plans add a hearing benefit, and over-the-counter hearing aids, Medi-Cal

8 min read

Medicare and VA Benefits: How They Work Together for Veterans

Medicare Basics

Medicare and VA Benefits: How They Work Together for Veterans

Medicare and VA benefits are separate programs, and generally they can’t pay for the same care, so you choose which one to use each time. Here’s how veterans can decide on Part A and Part B, how VA drug coverage affects Part D, what TRICARE For Life requires, and what to do before 65.

8 min read

Local help

Medicare help near you in Southern California

Boomers Insurance Services is a Medicare agency based in Downey, with licensed agents across Los Angeles, Orange, Riverside and San Bernardino counties, and agents who also serve San Diego and the Bay Area. Meet a licensed Medicare agent at one of our offices, by phone, by video, or at your home. Many of our agents speak Spanish, and we hold Medicare 101 workshops in person every month.

  • 10 offices

    in California, Nevada and Texas

  • 109 licensed agents

    listed on our site

  • 5 languages

    spoken by our agents

  • 16 counties

    with a local agent

Pick your county to see the licensed Medicare agents near you.

Where are you?

Headquarters

Boomers Insurance Services

8408 Florence Ave, Downey, CA 90240

(562) 904-9209 · 1-800-815-1943 (TTY 711)

Monday – Friday, 9 AM – 5 PM PT · Walk-ins welcome

Directions and the Downey office page

FAQ

Medicare questions people ask us

Short answers from licensed agents. For the full list, see the Medicare FAQs, or call 1-800-815-1943 (TTY 711).

How do I find a licensed Medicare agent near me?

Use Find an Agent to search by city, county or language, or browse the Medicare agents in your county. Every Boomers agent is licensed in California and appointed with the plans they offer.

You can also walk into one of our offices, including the Downey headquarters, or call 1-800-815-1943 (TTY 711), Monday to Friday, 9 AM to 5 PM Pacific.

What does Medicare cover?

Original Medicare has two parts. Part A covers hospital stays, skilled nursing care and hospice. Part B covers doctor visits, outpatient care, preventive services and medical equipment.

Prescription drugs come through a Part D plan or a Medicare Advantage plan that includes drug coverage. Routine dental, vision and hearing are generally not covered by Original Medicare; some Medicare Advantage plans include them.

What is the difference between Medicare Advantage and Medigap?

A Medicare Advantage plan (Part C) replaces how you receive your Part A and Part B benefits: a private company that contracts with Medicare delivers them, usually with drug coverage and a provider network.

A Medigap policy (Medicare Supplement) works alongside Original Medicare and helps pay the deductibles and coinsurance Original Medicare leaves to you. You keep any provider in the United States that accepts Medicare. You cannot have both at the same time.

Does it cost anything to work with a Boomers agent?

No. There is no cost to you for a licensed agent’s help; agents are paid by the plan you enroll in. An agent can only enroll you in the plans they are appointed with.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Can I get help with Medicare in Spanish?

Yes. Many of our agents speak Spanish, and some speak Vietnamese or Chinese. Filter Find an Agent by language, or ask for a Spanish-speaking agent when you call.

Our Spanish-language Medicare guide, Información en español, explains enrollment dates and rules for California.

Get in Touch

Get Expert Support
from a Licensed Agent
in Your Area

Speak to a Licensed Agent Today

Monday – Friday | 9 AM – 5 PM PT

What to Expect When You Call

Answer a few general questions about your coverage needs, doctors, and prescriptions.

Review Medicare plan options available in your area with a licensed insurance agent.

Understand plan costs, coverage, and available benefits.

Receive guidance at no cost from a licensed insurance agent.

No obligation to enroll. You can review your options and decide what works for you.