Licensed Medicare agents · Orange County, CA
We compare plans from the carriers we represent, check that your doctors and prescriptions are covered, and help you enroll. It costs you nothing.
Start here
We'll explain Parts A, B, C and D in plain English and make sure you sign up on time to avoid penalties.
Learn the basics → Already on MedicarePaying too much or lost your doctor? We'll compare 2027 plans side by side during Annual Enrollment.
See key dates → Medi-Cal + MedicareYou may qualify for special plans with extra benefits and the chance to change plans more often.
See your options → Under 65Individual and family coverage through Covered California, with instant quotes.
Get an instant quote ↗Your coverage options
Original Medicare (Parts A and B) covers hospital and doctor visits but leaves gaps. Most people add one of these.
An all-in-one plan from a private insurer that replaces how you use Original Medicare.
People who want low monthly costs and extra benefits, and whose doctors are in the plan's network. We check that for you.
Works alongside Original Medicare and pays much of what Medicare doesn't, like deductibles and coinsurance.
People who travel, see specialists often, or want predictable costs. Plan G is the most popular choice.
Stand-alone drug coverage for people on Original Medicare or a Medicare Supplement.
Anyone without drug coverage from another plan. Skipping it can mean a lifelong late penalty.
Keep your doctor
The cheapest plan isn't a good deal if your doctor isn't in it. Before we recommend anything, we look up:
A short call about your doctors, prescriptions, budget and health needs.
We check networks and drug lists across the plans available in your ZIP code.
We walk you through two or three good fits and explain the trade-offs plainly.
We help you enroll and review your plan with you every fall. You'll always have a local agent to call.
Carriers we work with
Plan availability depends on where you live.
Enrollment dates
Missing a deadline can mean waiting a year or paying a penalty for life. Here are the ones that matter most.
Initial Enrollment runs 3 months before, the month of, and 3 months after you turn 65.
Annual Enrollment. Change Medicare Advantage or Part D plans for the next year. Coverage starts January 1.
Medicare Advantage Open Enrollment. Already in an Advantage plan? You can switch plans once.
We serve you, not the insurance companies.
About South Coast Medicare
We started South Coast Medicare in 2017 to give our neighbors honest guidance on Medicare and health insurance. We're based in Orange County and help people all over California.
We work for you, not for an insurance company or a drug company. Our job is to find the plan that fits your doctors, your prescriptions and your budget, and to stay with you year after year.
Helpful links
Questions
No. Insurance companies pay us when you enroll. Your plan price is the same whether you use an agent or sign up on your own.
Often, yes. With a Medicare Supplement you can see any doctor who accepts Medicare. With a Medicare Advantage plan your doctor needs to be in the plan's network, so we check before you enroll.
Medicare Advantage is an all-in-one plan, often with a $0 premium and extra benefits, that uses a network. A Supplement adds to Original Medicare, costs more each month, and lets you see any doctor who takes Medicare. We'll help you weigh which fits you.
About three months before your 65th birthday is ideal. That gives us time to sign you up for Parts A and B and line up your plan so coverage starts on time.
Yes. If you have coverage through your job, you may be able to delay Part B without a penalty. We'll walk through your situation and timing.
A free, no-pressure review of your options. Bring your doctor and prescription list and we'll take it from there.