Medicare Help in San Diego —
Free, Local, Independent

Medicare Advantage (Part C) bundles your hospital, medical, and often prescription drug coverage into one plan — many with $0 premiums and extra benefits like dental, vision, and hearing. San Diego County has strong plan competition, which means more options and more savings for you.

Ashley compares every available Medicare Advantage plan in your zip code, checks that your current doctors are in-network, and walks you through the costs so there are no surprises. She has no incentive to favor one carrier over another — her only goal is finding the right fit for your life.

Original Medicare covers a lot, but it leaves gaps — copays, coinsurance, and deductibles that can add up fast. A Medicare Supplement (Medigap) plan covers those gaps, giving you predictable costs and the freedom to see any doctor nationwide who accepts Medicare.

Ashley helps San Diego residents compare Medigap plans from multiple carriers side by side. The benefits of each plan letter are standardized by law, so she helps you find the best price for the same coverage — which can vary significantly from one carrier to another.

Medicare Part D helps cover the cost of prescription medications, but no two plans cover the same drugs at the same price. Choosing the wrong plan can mean paying hundreds of dollars more each year without realizing it.

Ashley reviews your current medication list and compares Part D plans based on your specific drugs and preferred pharmacy — so you get the lowest out-of-pocket cost, not just the lowest premium. She also watches for formulary changes each fall to make sure your plan still makes sense.

Turning 65 opens your Initial Enrollment Period — a 7-month window starting 3 months before your birthday month. Missing it can mean late enrollment penalties that follow you for life. It's one of the most important Medicare deadlines you'll face, and the rules around it can be confusing, especially if you're still working.

Ashley walks every new-to-Medicare client through their exact timeline, explains what happens if they have employer coverage, and helps them enroll in the right plan at the right time — with no penalties and no gaps in coverage.

Medi-Cal is California's Medicaid program, providing free or low-cost health coverage to eligible residents — including many seniors who qualify alongside Medicare. When both programs work together, it's called "dual eligibility," and it can dramatically reduce or eliminate your out-of-pocket costs for premiums, copays, and prescriptions.

Ashley helps San Diego County residents determine whether they qualify for Medi-Cal and guides them through the application process. If you're eligible, she also helps you find a Medicare Savings Program or Dual Special Needs Plan (D-SNP) that coordinates your benefits seamlessly.

CalFresh (California's food assistance program, also known as SNAP) provides monthly benefits to help eligible individuals and families afford nutritious food. Many seniors on fixed incomes qualify but never apply — often because they assume they won't be eligible or find the process confusing.

Ashley helps clients understand their eligibility and walks them through the CalFresh application — the same way she approaches Medicare: with patience, clear explanations, and no pressure. It's one more way she makes sure her clients have access to every benefit available to them.

Enrollment is just the beginning. Ashley's office provides ongoing, hands-on support to every client throughout the year — not just at open enrollment. Whether you have a billing question in March or need help finding a dentist in August, you can reach Ashley any day of the week.

Most insurance agents disappear after you sign up. Ashley's approach is different — her clients are clients for life, with a dedicated office they can call any day of the week.

Every consultation with Ashley is completely free — there's never a fee for her time, advice, or enrollment help. As an independent broker, she is compensated by the insurance carriers only if you enroll, and that fee is the same regardless of which plan you choose. There is zero financial incentive for her to steer you toward any particular plan.

Ashley is available seven days a week and meets clients wherever is most convenient — in your home, at a local coffee shop, over the phone, or on a video call. After enrollment, she stays available for billing questions, claims issues, and annual plan reviews.