Instant. Simple. Smart.
Specializing in Medicare Solutions
Serving Temecula and surrounding communities with clarity and care.
Clear choices. Side-by-side.
We’ll check your doctors and medications, then compare Advantage vs. Medigap and Part D — including networks, out-of-pocket limits, and estimated annual costs.
Right-Time Enrollment
IEP, SEP, or GEP — avoid penalties and gaps with a clear timeline.
Advantage (Part C)
All-in-one coverage; weigh networks, referrals, extras, and OOP limits.
Medigap (Supplements)
Lower surprise costs with flexible access. Compare Plan G and underwriting.
Part D (Prescriptions)
Run meds against formularies & preferred pharmacies for true annual cost.
Doctor & Clinic Match
Verify providers and hospitals before you enroll — no guesswork.
Annual AEP Review
Plans change each year; we keep you aligned during AEP.
Advantage (Part C)
- Bundled A, B, often D in one plan
- Networks & referrals may apply
- Annual out-of-pocket maximum
- Extras may include dental/vision/hearing
Tip: Great when providers are in-network and you value bundled benefits.
Medigap (Supplements)
- Pairs with Original Medicare (A & B)
- Broader access; no HMO network rules
- Predictable costs; plan pays many gaps
- Part D chosen separately
Tip: Strong for frequent travelers or when provider flexibility matters.
Disclaimer: Educational information only — not legal, tax, or plan recommendations. Benefits vary by carrier and location.
Medicare & Social Security Quick Links
Medicare
Understand Parts A & B, enrollment windows, and how coverage works with other insurance.
Read MoreSupplement Plans
Compare Medigap options to reduce out-of-pocket costs and improve predictability.
Read MorePart D Prescription Plans
See how formularies, tiers, pharmacies, and penalties affect your annual costs.
Read MoreSocial Security
Coordinate claiming age, spouse benefits, and taxes to align with your retirement plan.
Read MoreWhen should I start Social Security?
That depends—it's different for everyone.
Let's see when your best time is.
Prefer to talk? 954-937-9550
What Our Clients Are Saying
Real experiences from people we’ve helped with Medicare and Social Security decisions.
I was so confused with this whole process I almost wanted to give up.
I was referred to Jan by a friend and the way she explained how Medicare works and broke down my plan options, it came together and made sense to me.
Thanks to her effort and patience, I have the plan that is working for me.
Jan explained to me about my guarantee issue period. I spoke with two other agents and no one went over this.
Thank goodness I never went with that first plan choice because I wouldn’t have this Medicare supplement coverage right now.
I am very grateful.
Taking the mystery out of Medicare & Social Security
Everyone likes options. Everyone needs options. But sometimes the options are confusing. And a mistake can make a big difference in retirement income or healthcare. For example:
- How to get the most out of Medicare.
- How to navigate Social Security.
- How to know what insurances you need — and even if you need them.
A certified National Social Security Advisor, Jan Knight navigates these complex options with a calm, experienced, personally tailored approach that makes it all quite painless and reassuringly simple.
Learn More