Original Medicare
Part A helps cover hospital care and Part B helps cover doctor visits and outpatient services. You can generally use any doctor or hospital in the U.S. that accepts Medicare.
Learn about Original MedicareMedicare Guidance Made Easier.
Whether you’re turning 65, comparing coverage options, or reviewing your existing Medicare plan, Boyer Insurance Services is here to help you understand your choices.
Medicare topics
Choose a topic to get started. Each page explains one subject in plain language.
Medicare 101
The basics, eligibility, and how Parts A, B, C, and D work.
ExploreTurning 65
Your enrollment timeline, current coverage, and next steps.
ExploreUnderstanding Your Options
Original Medicare, Medigap, and Medicare Advantage.
ExploreEnrollment Periods
When to enroll and make changes.
ExploreMedicare & Employer Coverage
Understand your choices when working past age 65.
ExploreCalifornia Birthday Rule
Learn about special Medigap switching rights in California.
ExploreFrequently Asked Questions
Clear answers to common Medicare questions.
ExploreWhy Work With an Independent Agent?
Personalized guidance and ongoing support.
ExploreQuestions to Ask Before Deciding
Know what to consider when comparing coverage.
ExploreAdditional Resources & Local Information
Official Medicare resources and local assistance in Southern California.
ExploreYour Medicare coverage options
No single option is right for everyone. Here’s a quick look at each — follow the links for details.
Why work with an independent insurance agent?
Independent guidance, generally at no additional cost to you.
Multiple Insurance Companies
Independent agents may represent several insurance carriers rather than being tied to just one.
Understand Your Choices
Get help comparing the coverage, benefits and costs of the options available to you.
Personalized Guidance
Talk through coverage based on your circumstances, doctors, prescriptions and preferences.
Common Medicare questions
What is the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A and B) is run by the federal government and lets you see any provider that accepts Medicare. Medicare Advantage plans are offered by private companies approved by Medicare; they provide your Part A and B benefits, usually through a provider network, and often include drug coverage. Costs, networks and extra benefits vary by plan.
Compare your optionsWhat is Medicare Supplement insurance?
Medicare Supplement (Medigap) insurance is sold by private companies and helps pay some costs Original Medicare doesn’t, such as coinsurance and deductibles. It works only with Original Medicare, not with Medicare Advantage, and generally does not include drug coverage.
Learn about MedigapWhen should I enroll in Medicare?
Most people first enroll during their seven-month Initial Enrollment Period: the three months before the month you turn 65, your birthday month, and the three months after. If you have coverage from your or your spouse’s current employer, you may be able to delay Part B without a penalty.
See enrollment periodsWhat happens if I continue working after age 65?
It depends on your employer’s size and how its coverage coordinates with Medicare. Coverage based on current employment is treated differently than COBRA or retiree coverage. Ask your benefits administrator before delaying Part B, since delaying without qualifying coverage can lead to a lasting penalty.
Medicare & employer coverageHow does the California Birthday Rule work?
If you have a Medicare Supplement policy in California, each year you have 60 days beginning on your birthday to switch to another Medigap policy with equal or lesser benefits, from the same or a different company, without health questions.
California Birthday RuleHave Questions About Your Coverage?
Talk with Scott about your situation. There’s no obligation, and you can also get information on all of your options from Medicare.gov or 1-800-MEDICARE.