Licensed Insurance Agent in San Clemente, CA
No-cost, independent Medicare help for San Clemente residents, including veterans and military retirees.
Chris Frasca Insurance Services · California Insurance License No. 0L86243
Veterans and military retirees welcome
San Clemente sits at the southern edge of Orange County, close to Camp Pendleton, and many residents have military or VA benefits in addition to Medicare. Those benefits interact with Medicare in specific ways, and the details are easy to get wrong.
I help you understand how your benefits and Medicare work together and what to sign up for, so you do not leave coverage or money on the table.
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 San Clemente residents
I have TRICARE For Life. Do I still need Medicare?
Yes. TRICARE For Life generally requires you to have both Medicare Part A and Part B to keep your coverage. I can help you time your enrollment.
I get care through the VA. Can I skip Part B?
VA benefits don't replace Medicare. If you skip Part B and sign up later, you can end up with a late enrollment penalty that follows you. It's worth talking it through before you decide.
I live near the San Diego County line. Does that matter?
Yes. Medicare Advantage and Part D plans are offered by county, so the county you live in decides which plans you can choose from. I check the plans for your exact address.
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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