Licensed Insurance Agent in Laguna Hills, CA
No-cost, independent Medicare guidance for Laguna Hills and nearby senior communities, matched to your doctors and prescriptions.
Chris Frasca Insurance Services · California Insurance License No. 0L86243
Your neighbor's plan may not fit you
Laguna Hills and the surrounding area have large 55+ communities, so neighbors naturally swap notes about plans. That is helpful, but doctors, medications, and budgets differ from household to household, and a plan that works well for one person can be a poor fit for another.
I start with your doctors and your prescriptions and show you how each option would work for you.
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 Laguna Hills residents
I live in a senior community. Does that change my Medicare options?
No. Your plan options depend on where you live, meaning your county and zip code, not on the type of community. What matters most is your doctors, your prescriptions, and your budget.
Can you meet with my spouse and me together?
Of course. Each of you has your own plan decisions, but it's often easier to talk them through together. If a son or daughter wants to join by phone or video, that's fine too.
I got a letter saying my plan is changing. What should I do?
That's likely your Annual Notice of Change. Plans send them every fall. Look it over before the December 7 deadline, and I'm happy to go through it with you and review your other options at no cost.
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.
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