Licensed Insurance Agent in Laguna Niguel, CA
No-cost, independent Medicare guidance for Laguna Niguel couples and individuals, with a clear plan for your enrollment timing.
Chris Frasca Insurance Services · California Insurance License No. 0L86243
Medicare for couples at different stages
Many Laguna Niguel households have one spouse reaching 65 while the other is younger or still working. Medicare is individual, so each person has their own dates and choices, and the two have to fit together.
I help you sort out who enrolls when, whether to keep employer coverage for now, and how to avoid late-enrollment penalties, then review the plan options available where you live.
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 Niguel residents
My spouse is younger than I am. Do we enroll at the same time?
Not necessarily. Medicare is based on each person's own 65th birthday. If your spouse is still working and has an employer plan, you may be able to line up the timing, but it depends on the employer and your situation. I'll walk through it with you.
I'm turning 65 soon. When should I start?
Your Initial Enrollment Period starts three months before the month you turn 65. Reach out a few months ahead and you'll have time to review plan options without a rush.
Can we do this by video call?
Yes. Phone, video, and in-person meetings are all available, and family members are welcome to join.
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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