Licensed Insurance Agent in Huntington Beach, CA
No-cost, independent Medicare guidance for Huntington Beach residents, including anyone who sees doctors in nearby cities.
Chris Frasca Insurance Services · California Insurance License No. 0L86243
Doctors across city lines
Huntington Beach sits at the northern edge of Orange County, and some residents see providers in neighboring areas, including cities across the county line. Whether those providers work with a plan depends on that plan's network, not on where you live.
I check your doctors and hospital under each plan I show you, so you can decide with the facts in front of you instead of finding out after you enroll.
Got a letter from Hoag? Hoag has told patients that its contract with one Medicare Advantage HMO ends December 31, 2026. See what it means and your options before December 7 →
Wondering what else is changing for 2027? Read the 2027 Medicare changes guide →
What I review for you
- Original Medicare vs. Medicare Advantage
- Medigap (Supplement) plans
- Part D prescription drug coverage
- Your specific doctors' network status
- Your medications' cost under each plan
- Dental, vision, and hearing add-ons
Medicare questions from Huntington Beach residents
Does it matter that some of my doctors are in another county?
It can. Medicare Advantage and Part D plans are offered by county, and each plan has its own network. I check the plans available at your address and look up each of your doctors under them.
What if my plan's network changes?
Your plan has to tell you in writing each fall. If it affects your doctors, Annual Enrollment (October 15 to December 7) is the time to look at other plans. Changes start January 1.
I'm turning 65. When should I start?
Your Initial Enrollment Period starts 3 months before the month you turn 65. Starting early gives you time to review your options without rushing.
What does it cost to work with you?
Nothing. The insurance company pays me a commission, not you, so your premium is the same whether you enroll through me or directly with Medicare. There's no fee for a consultation, a plan review, or the yearly check-in.
Meet me at a no-cost Medicare workshop
I host in-person workshops in Mission Viejo that explain Medicare basics in plain English. No obligation.
View Upcoming EventsReady for a straight answer?
Call, book online, or send a message. I'll respond personally, usually within a day.
Prefer to look at plans on your own first? Review plans and enroll online with me as your agent.
Online enrollment is provided through PlanEnroll, a non-government website operated by Integrity Marketing Group, LLC. It is not endorsed by CMS.
Also serving nearby (Orange County):