1
Which doctors matter?
Make a list of your physicians, specialists, preferred hospital, and pharmacies before comparing networks.
Local Medicare guidance for Southern California
Clarity before you choose.
I help you understand Medicare, check the details that matter, and compare your options without pressure—before you make a decision.
Turning 65 soon?
Start with a clear Medicare checklist.
Know what to do, what to gather, and what to ask before choosing coverage.
A simple place to begin
Three questions worth answering first
The right coverage starts with your doctors, prescriptions, travel habits, budget, and comfort with out-of-pocket costs—not with a plan name.
2
What prescriptions do you take?
Drug formularies, tiers, preferred pharmacies, and annual costs can differ substantially from one plan to another.
3
How do you use care?
Consider travel, referrals, predictable premiums, and how much financial uncertainty feels comfortable.
Your two main paths
Understand the structure—not just the extras.
Most people build their coverage around Original Medicare or choose a Medicare Advantage plan. Each path works differently.
- Original Medicare with optional Medigap and Part D coverage
- Medicare Advantage plans offered by private insurers
- Annual review of doctors, prescriptions, costs, and benefits
“My role is to slow the process down, explain what matters, and help you make an informed decision.”
— Michael Ryan
What working together looks like
A clear, three-step review.
Listen
We start with your doctors, prescriptions, priorities, travel, and current coverage.
Compare
We look beyond premiums to networks, formularies, copays, and financial exposure.
Stay available
You have a local resource when questions or coverage changes arise later.
Have questions about your current coverage?
Bring your doctors, prescriptions, and plan notices. We’ll work through them together.