Contact Us:
Coast Cities Insurance Solutions, Inc. 
Jacie Caballero, Broker #0G70010
707 E. Grand Avenue
Arroyo Grande, CA 93420
Call or Text: 805-888-1544  or 805-458-7911
Fax: 805-202-4789      Jacie@coastcitiesins.com 
                                       Amy@coastcitiesins.com 
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Located on E. Grand & S. Alpine St. (near the 101)
in the Allstate Insurance Complex

© 2019 Coast Cities Insurance Solutions, Inc.

Turning 65? New To Medicare?

We Specialize in Helping Seniors & Other Medicare Eligible Beneficiaries Transition Onto Medicare
We will help you through the entire process from understanding & enrolling into Medicare, reviewing All of your supplemental plan options, completing your enrollments, finding doctors, billing, claims, client advocacy and provide ongoing servicing & support throughout the year.  All at no charge, ever. 

  Medicare is confusing. Let us make it easy for you. 

Schedule a no cost, no obligation, Welcome to Medicare Consultation and we will help you get started. 

        Get Started Today 
            805-888-1544

   Already On Medicare?

We Can Help You Save Money On your Current Coverage
Free Medicare Coverage Reviews 
  • We Help You Understand Your Plans

  • Review Other Options as Needed

  • Shop The Market to Lower Costs

  • Find Additional Resources To Save $

  • Find Plans That Your Dr. Accepts

  • Assist in Resolving Any Issues

Any time all year long

Free Help During The Annual Election Period
  • We Help You Save $ On Prescriptions

  • We offer Additional RX Resources 

  • We Help Review Existing Coverage

  • Assist with Plan Changes

  • Assist with Provider Changes

  • Offer Ongoing Service & Support

October 15th- December 7th

Medicare Supplements

Medicare Supplements are designed by Medicare but offered by private insurance companies to help you cover your out of pocket costs that Medicare does not pay. 

Benefits: 

- Provides more coverage than Medicare alone. 

- Premiums are affordable, and offer robust benefits. 

- Plans are portable and cover you throughout the entire US. 

- Provides freedom to choose any provider that accepts Medicare. No networks. 

- Offered by most major insurance carriers. 

When can you enroll: 

- During your IEP (initial election period) when coverage is guaranteed. First 6 months after turning 65 or enrolling in Part B.  

- If you have a qualifying Special Election Period. 

- Anytime of the year but the plan will require medical underwriting and you can be declined due to preexisting conditions.

Medicare Advantage Plans

Medicare Advantage plans, also known as Part C, become your primary insurance plan when you enroll. These plans provide all of your Medicare A, B and D benefits in one plan and may also include additional benefits such as dental, vision, hearing, transportation or gym memberships.  However, many of these plans are HMO plans and require that you choose a primary care doctor in their network and get referrals to see specialists. Plan benefits and premiums can change annually so its best to review your coverage annually. 

Benefits: 

- Many of these plans offer very low or even zero dollar premiums. 

- Plans offer all in one Medicare coverage, including Part A, Part  B and Part D. 

- Plans may offer additional benefits not provided by Medicare like dental, hearing or vision. 

- Offered by most major insurance carriers. 

When can you enroll: 

During your IEP (initial election period) Three months before 65th birthday, month of  your birthday, three months after. 

- During the AEP ( annual election period) which runs October 15- December 7th each year. Coverage will begin January of the following year. 

- If you have a qualifying SEP. 

Medicare Prescription Drug Plans

Medicare Prescription Drug Plans, also known as Part D, are regulated by Medicare but offered through private insurance companies. Plans available to you are based on your residential zip code. Plan benefits and premiums can change annually so its best to review your coverage annually. Plans must all cover at least two medications in each therapeutic class but not plans have to cover the same medications so be sure to confirm your meds will be covered before selecting a drug plan. 

Benefits:

- The plans can range in premium from $12 a month to over $100 a month so there is a plan to fit every budget. 

- There are plans that have deductibles and no deductibles. 

- Offered by most major insurance carriers. 

When can you enroll: 

-  During your IEP (initial election period) Three months before 65th birthday, month of  your birthday, three months after. 

- During the AEP ( annual election period) which runs October 15- December 7th each year. Coverage will begin January of the following year. 

- If you have a qualifying SEP. 

Dental, Vision, Hearing, SilverSneakers

Original Medicare does not cover hearing, dental or vision. Some Medicare Advantage or Medicare Supplements do offer these additional benefits which are sometimes included in the monthly premiums or available for an additional cost. SilverSneakers is a very popular benefit where the plan actually pays for you to have a free gym membership at any of the participating SilverSneakers gyms. 

Benefits:

- These supplemental benefits are included in some supplemental or advantage plans.

-  We also offer standalone dental and vision plans with carriers like VSP, Delta Dental, Guardian, Cigna, Anthem, BlueShield and more. 

- We have one package that includes dental, vision and SilverSneakers, all in one for one low monthly premium. You can add this to your coverage at anytime, guaranteed.

When can you enroll: 

- If these benefits are not included in your plan, you can apply for the standalone coverage anytime of the year. You are not locked in but most dental plans do have waiting periods so its best to enroll before you actually need to access the benefits.

Once a year, you may enroll, disenroll or change your Part C (Medicare Advantage) or Part D (Prescription) plans. Since benefits and premiums change each year, its important to at least review the changes during this time so you will know if your current plan will still meet your needs the next year. We can help you with this at no charge. 
Annual Election Period
October 15, 2019 - December 7th, 2019