Health and Life Insurance Guidance

Bilingual education and personalized assistance for individuals and families evaluating health and life insurance options. Recommendations are based on the information provided, applicable eligibility rules, carrier availability, and the products the licensed agent is authorized and appointed to offer.

Health Insurance Options

Depending on eligibility, licensing, carrier appointments, and availability in your area, assistance may include:

• Medicare Advantage plans

• Stand-alone Medicare prescription drug plans

• Medicare Supplement insurance

• Covered California health plans

• Individual and family health coverage

• Other available health-plan options appropriate to the client’s circumstances

Medicare Guidance

Medicare choices can differ in premiums, deductibles, copayments, coinsurance, provider networks, drug formularies, pharmacy access, referral requirements, and supplemental benefits. A consultation can help you review:

• Current Medicare coverage

• Preferred doctors, hospitals, and pharmacies

• Prescription medications

• Expected healthcare use and budget

• Enrollment periods and possible eligibility for special enrollment

• Plan rules, costs, and network restrictions

Enrollment is subject to Medicare eligibility, applicable enrollment periods, plan availability, and the plan’s acceptance of the application.

Medicare Disclosure

We may not represent every Medicare plan available in your area. Information provided is limited to the plans and insurance organizations the licensed agent is authorized to represent. For information about all available Medicare options, visit Medicare.gov or call 1-800-MEDICARE. TTY users may call 1-877-486-2048.

Covered California and Individual Coverage

Assistance may include reviewing available marketplace coverage, estimated premiums and cost-sharing, provider networks, prescription coverage, and application steps. Eligibility for financial assistance is determined by Covered California based on household, income, residency, and other applicable information. Estimates are not a guarantee of final eligibility or premium amounts.

Life Insurance

Depending on product availability and licensing, life insurance guidance may include term coverage, permanent coverage, and final-expense options. A needs discussion may consider family responsibilities, income replacement, debts, end-of-life expenses, existing coverage, budget, and long-term goals.

What to Prepare

For a productive consultation, have available:

• Current insurance cards and plan information

• A list of preferred healthcare providers and pharmacies

• Current prescription medications

• Household and income information when marketplace assistance is requested

• The names and birth dates of people seeking coverage

• Existing life insurance information, if applicable

• Questions about premiums, deductibles, copays, networks, and benefits

Do not submit Social Security numbers, Medicare numbers, financial-account information, medical records, or immigration documents through a general website form. Sensitive information should be shared only through an approved secure process.

Important Information

Plan benefits, premiums, cost-sharing, networks, formularies, eligibility, and availability can change. Always review the carrier’s official plan documents before enrolling. No insurance coverage is effective until the carrier accepts the application and confirms the effective date. No coverage is bound through this website.

Call or text 323.313.6482 or email info@mendezatilano.com to schedule a consultation.