How to Maximize Your Medicare Coverage During the Annual Election Period
Maximizing your Medicare coverage requires careful consideration of your healthcare needs, financial situation, and any changes to your plan’s coverage.
Bear Flag Insurance
Your Guide to
Medicare Options
Information, Plan Options,
and No-Cost Enrollment Assistance
Get Free and Friendly Help
with Your Medicare Options.
Our licensed insurance agents offer Medicare enrollment
assistance at no cost and no obligation!
- Review your current plan
- Assist with covering your needs and maximizing your budget
- Explain your plan options
- To speak with a licensed insurance agent, call (707) 576-8100
Medicare Resources:
What You Need to Know
Important Information at Your Fingertips
Frequently Asked Questions
How do I apply for Medicare?
How do I apply for a Medicare Advantage or Supplement Plan?
Can I apply for Medicare in person?
Can I get assistance applying for Medicare?
When should I apply for Medicare?
What if I missed my Initial Enrollment Period?
Are there penalties for enrolling late?
When do I get my Medicare card?
Testimonials
Here’s what our clients say about our service…
My girl friend asked “Where did you find that guy?” She asked after I told her about Gary making many phone calls to resolve a communications problem between the pharmacy, my physician and two departments inside the insurance company.
Beverly S.
I just want to thank Mr. Gary Smith for the time and effort he put in helping me on my insurance problem. If you need help, he is the one to call.
Ben T.
Gary is a thoughtful and skilled man who provides a level of service that is too rarely encountered in our world today. We feel very fortunate to have had the privilege of working with him. We will work with him in the future as the need arises.
…
John & Laurie W.
Gary is a thoughtful and skilled man who provides a level of service that is too rarely encountered in our world today. We feel very fortunate to have had the privilege of working with him. We will work with him in the future as the need arises.
We would be pleased to talk with anyone about our experience working with this fine individual.
John & Laurie W.
In the summer of 1983, Gary Smith first worked with me to understand Medicare Supplement Insurance. Over the following 30 years, I found Gary to be a person very concerned with the well being of his clients.
…
Greg Macdonald
Macdonald Insurance
In the summer of 1983, Gary Smith first worked with me to understand Medicare Supplement Insurance. Over the following 30 years, I found Gary to be a person very concerned with the well being of his clients.
At Gary’s request, my wife Valerie and I helped Gary’s clients on many occasions with their insurance claims problems. Gary will find people to help him deliver the highest quality service.
In my opinion, Gary is a person of his word. Gary is a very fine person, a person of integrity.
Greg Macdonald
Macdonald Insurance
In the unfathomably complicated world of health insurance Gary is savvy and makes good on his promises. He goes above and beyond his job in caring for his clients. If he were a doctor he’d have the best bedside manner in the business.
Lauren M.
I’m writing to thank you for your help in navigating the complexities of Medicare supplemental insurance. From your presentation of the SCAN Health Plan to your assistance in arranging my upcoming cataract surgery and organizing my appeal of Plan D penalties, you have been understanding, accessible and supportive.
…
Larry C.
I’m writing to thank you for your help in navigating the complexities of Medicare supplemental insurance. From your presentation of the SCAN Health Plan to your assistance in arranging my upcoming cataract surgery and organizing my appeal of Plan D penalties, you have been understanding, accessible and supportive.
You have helped make what could have been an overwhelming encounter with Medicare bureaucracy into a manageable process. I appreciate and value your commitment to personal contact and support of your clients.
Larry C.
Gary Smith provides fast responses with thorough answers. Gary clearly wants to help and he succeeds.
Vidya F.
It pleases us to recommend Gary Smith to you. We have known Gary for about 7 years. We chose him for our Health Insurance agent. We know him to be hard working, intelligent and trustworthy.
David & Shari B.
Articles and Information
The Importance of Social Connections for Mental Health After 65
Research shows that individuals over age 65 who nurture close relationships with friends, family, and community members tend to experience lower rates of depression, anxiety, and cognitive decline.
How to Review Medicare Plans During AEP
The Medicare Annual Election Period (AEP) is from October 15 to December 7. Here’s how to evaluate Medicare Advantage plans to ensure you’re choosing the best fit for your healthcare needs.
Skin Health After 65: Preventing and Managing Skin Conditions
Caring for your skin after age 65 is essential for maintaining comfort, health, and resilience against common skin issues.
When Should You Consider Switching Your Medicare Plan?
If you’re wondering whether switching Medicare plans is the right choice for you, contact us today and speak with a licensed insurance agent to schedule a free plan review.
Top Tips for Maintaining a Healthy Weight After 65
Maintaining a healthy weight after 65 requires a mix of smart nutrition, regular activity, and mindfulness – especially during the holidays
Did You Miss the AEP Deadline? Here’s What You Need to Know
The Medicare Annual Election Period (AEP) has come to an end, but what happens if you have missed it or if you change your mind about your Medicare plan after December 7?
Understanding the Link Between Aging and Heart Health
As we age, maintaining heart health becomes increasingly important. Understanding the connection between aging and cardiovascular health is key to adopting habits that promote longevity and well-being.
What You Need to Know About Medicare Part B Premiums in 2025
Medicare Part B premiums adjust yearly based on economic factors such as inflation and cost-of-living changes. Here’s what you’ll need to know for 2025.
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