I’ll help you to learn how Medicare works, and the pros & cons of Medicare Supplement PlansPrescription Drug Plans, and Medicare Advantage Plans.

For information about my Prescription Drug Plans review program click here.

To obtain help for Medicare and other senior products & services
• Prospective clients: Click here to book a phone call.
• Existing clients:  Click here to book a phone call.
• Call 323-293-6800 to leave a message or send me a note and I’ll get back to you shortly.
• Email works too:

Do you want access to certain doctors, a medical group or hospital? If your doc is affiliated with Cedars-Sinai or UCLA, for example, you’ll want to know your options for coverage that works with those doctors.

And if you’re looking for Medicare coverage that provides access to any doctor in the U.S. who accepts Medicare, then Original Medicare (Part A & B), plus a Medicare Supplement plan and a Prescription Drug Plan (Part D) might be the way to go.

Timing is everything in Medicare:

  • New to Medicare?  The best time for us to begin a conversation is about 12 months before your 65th birthday. That way there is plenty of time, and no need to rush into anything.
  • Receiving SSDI? (Social Security Disability Insurance) Folks who have received 24 months of SSDI payments may qualify for Medicare, regardless of age.
  • Already started Medicare? An annual review is helpful because changes can occur every year regarding 1) doctor networks in Medicare Advantage plans, 2) drug plan formularies, and 3) premiums for Medicare Supplement Plans.
  • Over 65 and covered in a group plan or COBRA? Your enrollment window varies, depending on various factors including whether or not your Part A and B are active.

For current Medicare beneficiaries, during the Annual Election Period from October 15 through December 7 you can change or terminate your Medicare Advantage or PDP (Prescription Drug Plan). California residents currently enrolled in a Medicare Supplement Plan plan can change carriers, no health questions asked, during the 30 days following their birthday each year.

You may have received lots of brochures and flyers in the mail, leaving you to wonder what’s important and what’s not.  It’s all sales and marketing material unless it’s from either Medicare itself, or a plan you are currently enrolled in. If the Medicare & You booklet arrives, hang onto that because it’s a helpful resource published by the government. Otherwise, you can set aside all that sales stuff for possible future reference.

U.S. Government Medicare Resources
Visit and type in the name of the publication you wish to access. Below are names of some common publications.

  • Medicare & You
  • Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
  • Your Guide to Medicare’s Preventive Services
  • Your Medicare Benefits
  • Medicare and Other Health Benefits: Your Guide to Who Pays First
  • Medicare Hospice Benefits
  • Your Guide to Choosing a Nursing Home
  • Your Guide to Medicare Prescription Drug Coverage

Disclaimer: Aquarius Insurance Services, LLC and Michael Grodsky do not work for, and are not representatives of, Medicare or any governmental agency.