Licensed Medicare Broker
Independent guidance across Medicare Advantage, Supplement, and Part D, at no cost to you.
Your Licensed Agent
I've been helping California and Hawaii residents navigate Medicare since 2003. Every call is free, no-pressure, and focused entirely on finding the right plan for your situation.
Book a Free Call with ThomasWith dozens of plan options available in every California county, choosing the right Medicare coverage can feel overwhelming. River Rock Insurance has been simplifying this process for California and Hawaii residents since 2003.
Our licensed agents take the time to understand your specific doctors, medications, and budget before making any recommendation. We compare every available plan in your area, and our guidance is always free of charge.
There is no single "best" Medicare plan, the right choice depends on your individual health needs, preferred doctors, and budget.
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They bundle your Part A (hospital), Part B (medical), and usually Part D (prescription drugs) coverage into a single plan, often with additional benefits like dental, vision, and hearing.
Compare Advantage Plans →Key Benefits
Considerations
Medicare Supplement (Medigap) plans work alongside Original Medicare (Parts A and B) to cover the gaps, including copayments, coinsurance, and deductibles. With a Medigap plan, you can see any doctor or specialist nationwide who accepts Medicare, with no network restrictions.
Compare Supplement Plans →Key Benefits
Considerations
Medicare Part D plans provide prescription drug coverage and are offered by private insurance companies approved by Medicare. Whether you have Original Medicare with a Supplement plan or a standalone drug plan, we'll analyze your specific medications to find the plan with the lowest total annual cost.
Find the Right Part D Plan →Key Benefits
Considerations
Answers to the most common Medicare questions we hear from California residents.
Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month and ends 3 months after. If you're still working and have employer coverage, you may qualify for a Special Enrollment Period when that coverage ends. The Annual Enrollment Period (AEP) runs October 15 - December 7 each year.
Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan from a private insurer, typically with lower premiums but network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs, giving you freedom to see any Medicare-accepting provider nationwide.
Most people pay $0 for Medicare Part A (hospital) if they've worked 40+ quarters. Medicare Part B has a standard premium of $185/month in 2025 (higher for higher incomes). Medicare Advantage plans in California often have $0 additional premium. Medicare Supplement premiums vary by plan type and age, typically ranging from $80-$250/month.
With Original Medicare or a Medicare Supplement plan, you can see any Medicare-accepting specialist without a referral. With a Medicare Advantage HMO plan, you typically need a referral from your primary care physician. PPO-type Advantage plans usually do not require referrals.
With Original Medicare and most Supplement plans, you can see any doctor or hospital that accepts Medicare, nationwide. With Medicare Advantage, you'll need to verify that your doctors are in the plan's network. We always check your specific doctors before recommending any plan.
Yes. As independent insurance brokers, we are compensated by the insurance carriers, not by you. Our guidance, quotes, enrollment assistance, and ongoing support are provided at no cost to you. We are legally required to present the plan that best fits your needs, not the one that pays us the most.
Our licensed California agents will compare every available plan in your county, Medicare Advantage, Supplement, and Part D, and present you with the best options for your specific situation.
(916) 865-8352Mon-Fri 8am-6pm PT | Toll Free: 1-866-696-8636
Book a Free CallFree guidance from a licensed California agent. No pressure, no cost.
