Los Angeles Medicare Expert Serving LA County Since 200

Compare 50+ Medicare Advantage Plans & Multiple Medigap Options from 10+ Top-Rated Carriers—All in One Place

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New to Medicare in Los Angeles? Already Enrolled? Turning 65? I'm Here to Help.

Whether you’re turning 65, working past 65 and transitioning off employer coverage, already on Medicare and considering a change, or under 65 on disability, you deserve clear guidance — not confusion.
And with the Annual Enrollment Period ending December 7th, now is the time to make sure you’re in the right plan for 2026.

I proudly help every type of Medicare consumer in the Los Angeles area:

Turning 65

First-time enrollment, deadlines, penalties, and choosing the right plan

Still working past 65

Coordinating Medicare with employer insurance

Retiring after 65

Avoiding gaps and costly mistakes

Already on Medicare

Annual reviews, cost comparisons, network checks

Under 65 with disability

Specialized support and plan options

Caregivers & family members

Help understanding benefits and coverage changes

Turning 65

First-time enrollment, deadlines, penalties, and choosing the right plan

Still working past 65

Coordinating Medicare with employer insurance

Retiring after 65

Avoiding gaps and costly mistakes

Already on Medicare

Annual reviews, cost comparisons, network checks

Under 65 with disability

Specialized support and plan options

Caregivers & family members

Help understanding benefits and coverage changes

Why Los Angeles Residents Choose Paul Barrett for Medicare

Unmatched Carrier Access

Unlike captive agents who can only offer one company's plans, I represent 10 Medicare Advantage carriers with over 50 plan options and 12+ Medigap carriers. This means you get unbiased recommendations based on YOUR needs—not my commission.

Education-First Approach

No high-pressure sales tactics. I believe informed decisions are better decisions. You'll understand exactly what you're enrolling in and why it's the right choice for your health and budget.

Year-Round Support

My service doesn't end at enrollment. Need help with a claim? Questions about coverage? I'm here for you 365 days a year—not just during enrollment season.

Local Los Angeles Expert

I serve clients throughout LA County—from Downtown to the Valley, Westside to the San Gabriel Valley. Convenient phone and Zoom consultations available.

Medicare Advantage Plans in Los Angeles, CA

Los Angeles residents have access to over 50 Medicare Advantage plans from 10 different carriers. These Part C plans combine your Medicare Part A (hospital) and Part B (medical) coverage, and most include prescription drug coverage (Part D) plus extra benefits like dental, vision, and hearing.

I Represent These Top Medicare Advantage Carriers in LA:

SCAN Health Plan

California's largest not-for-profit Medicare Advantage plan

Alignment Health

Growing presence in Southern California

Blue Shield of California

Strong local network

Anthem Blue Cross

Extensive provider access

UnitedHealthcare

National leader in Medicare

WellCare

Competitive benefits and prici

Humana

Wide range of plan options

Aetna

Premium network access

Molina Healthcare

Focus on underserved communities

+ Additional carriers

More options as they become available

Why So Many Plan Choices Matter

Not all Medicare Advantage plans are created equal. Some plans look attractive with $0 premiums but have limited doctor networks or poor customer service. Others may cost more monthly but save you thousands in out-of-pocket costs if you need care.
During our phone or Zoom consultation, here’s what I evaluate for you:

Does the plan include YOUR doctors and specialists?

Which hospitals are in-network (Cedars-Sinai, UCLA, USC, Kaiser, etc.)?

What are the REAL out-of-pocket costs (copays, coinsurance, max limits)?

Are your prescriptions covered, and at what cost tier?

What extra benefits do you actually value (gym, dental, vision, OTC allowance)?

Does the carrier have good ratings for customer service and claims processing?

Overwhelmed by Choices?

Let me do the heavy lifting. I’ll compare all 50+ plans based on YOUR doctors, prescriptions, and budget—then present you with the top 2-3 options that make sense for your situation.

Medicare Supplement Plans in Los Angeles, CA

Prefer the freedom to see ANY doctor or specialist who accepts Medicare—without networks or referrals? A Medicare Supplement plan might be your best choice. California offers 10 standardized Medigap plans, and I work with 12+ carriers to find you the most competitive rates.

Los Angeles Medigap Carriers I Represent:

Anthem Blue Cross
Continental Life
Humana
UnitedHealthcare (AARP)
Aflac
Blue Shield of California
Globe Life
Mutual of Omaha
Manhattan Life
American Retirement Life
Transamerica
Bankers Life
Multiple carriers = competitive rates and stable pricing over time

California's Unique Medigap Advantages

Understanding Medigap Pricing in California

Guaranteed Issue Rights

Important: Regardless of rating method, premiums can still increase due to inflation and rising healthcare costs. This is why I help you find carriers with good rate stability.

Most Popular Medigap Plans for Los Angeles Residents

Plan G

Comprehensive Coverage
The gold standard of Medigap plans. After you meet your Part B deductible ($282 in 2026), Plan G covers virtually everything Medicare approves—no copays, no coinsurance, no surprises.
Best for: Those who want predictable costs and maximum coverage.

High Deductible Plan G

Smart Savings
Same comprehensive coverage as regular Plan G, but with a much lower monthly premium. You pay the first $2,950 in covered costs (2026), then everything else is covered at 100%.
Best for: Healthy individuals who want catastrophic protection at a fraction of the cost

Plan N

Balanced Option
Lower premiums than Plan G with modest copays ($20 office visit, $50 ER). A smart middle ground if you don’t mind small out-of-pocket costs.
Best for: Those balancing premium savings with good coverage

Want to See Actual Rates?

I’ll show you side-by-side pricing from multiple carriers so you can make an informed decision. Most people are surprised by how affordable Medigap can be—

Medicare Part D Prescription Drug Plans in Los Angeles

Los Angeles residents can choose from 12 standalone Part D plans in 2026. If you have Original Medicare plus a Medigap plan, you’ll need a separate Part D plan for prescription coverage.

Finding the Right Part D Plan

The “best” Part D plan isn’t the one with the lowest premium—it’s the one that covers YOUR specific medications at the lowest total annual cost. A plan with a $0 premium might cost you hundreds more in copays if your drugs are on higher tiers.

I'll Help You Compare:

Important: Part D plans can change their formularies (drug lists) each year. It’s worth reviewing your plan annually to make sure you’re still getting the best value.
Bring me your prescription list and I’ll run a personalized analysis to find the Part D plan that saves you the most money.

Free Consultation

We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.

Compare Your Options

I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.

Enroll with Confidence

Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.

Ongoing Support

Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.

How Working with Paul Barrett Works

Free Consultation

We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.

Compare Your Options

I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.

Enroll with Confidence

Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.

Ongoing Support

Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.

All of This Costs You $0

You might be wondering: “How can this be free?” Simple: I’m compensated by the insurance carriers when you enroll, but you pay the exact same price whether you work with me or enroll directly. The difference? With me, you get expert guidance, multiple carrier options, and ongoing support. Going direct means you’re on your own.

Common Medicare Questions from Los Angeles Residents

Get answers to the questions I hear most often from LA Medicare beneficiaries

There’s no universal “best” plan — especially in LA, where healthcare access varies a lot by neighborhood.

Medicare Advantage (MA) can work well if your doctors are in-network with major LA systems like Kaiser Permanente, UCLA Health, Cedars-Sinai, Providence, or PIH, but networks change often.

Medicare Supplement (Medigap) is ideal for people who split time between LA, Palm Springs, or out-of-state (snowbirds), because it lets you see any Medicare-accepting provider nationwide without referrals.

Most of my clients choose based on whether their primary doctor is in a Medicare Advantage network, their prescription needs, and their budget vs. out-of-pocket tolerance.

LA County is huge — with over 10 million people across dozens of zip codes. Medicare Advantage plans are approved by county, but networks can vary heavily between areas like Santa Monica / West LA, Downtown LA, San Fernando Valley, Long Beach, and Pasadena / Glendale / Burbank.

Carriers like Kaiser, SCAN, UnitedHealthcare, Anthem, and Blue Shield all have different footprints, and hospitals may or may not participate in certain networks.

So your friend in Burbank may have a totally different set of plans than someone in El Segundo — even though it’s the same county.

Some of the biggest systems — like Cedars-Sinai, UCLA Health, Hoag, and Huntington Hospital — have limited participation in certain Medicare Advantage networks.
Others — like Kaiser and PIH — have tightly integrated networks.
If keeping a specific doctor (or a hospital like Cedars) is non-negotiable for you, we need to confirm network status before you enroll. I check this for you every time — and re-check during Annual Enrollment, because Los Angeles networks change frequently.

Yes. As of 2023, Medicare Part D covers the shingles vaccine Shingrix at no cost to you — even in LA’s large pharmacy chains like CVS, Walgreens, Rite Aid, Costco, Ralphs / Kroger, and local independent pharmacies.
Just show them your Medicare Part D card.

For 2026:
• Part A: $0 for most people
• Part B: Standard monthly premium is $202
• IRMAA: High-income LA residents (especially retirees in the entertainment industry, real estate, or tech) may pay more based on tax returns from two years prior.

I walk you through the income brackets and help estimate your exact cost.

Absolutely — I serve Medicare beneficiaries everywhere in LA County, including Santa Monica & West LA, Hollywood & Los Feliz, Burbank & Glendale, Pasadena & Altadena, Long Beach & the South Bay, San Fernando Valley, Palmdale & Lancaster, and Whittier, Downey & Montebello.
Whether you’re stuck on the 405, relaxing in Manhattan Beach, or nestled in the foothills of La Cañada — I make Medicare easy with phone, Zoom, or in-person consultations.

Yes — and LA residents have a unique advantage.

You can switch:
• October 15 – December 7 (Annual Enrollment Period)
• January 1 – March 31 for Medicare Advantage (MA-OEP)
• During certain Special Enrollment Periods

Plus: California’s Medicare Birthday Rule — You get a 60-day window around your birthday to switch Medigap plans without medical underwriting — a huge benefit for LA residents who worry about rate increases or health changes.


This varies year-to-year, but generally:
• Cedars-Sinai, UCLA Health, Hoag, Providence, and Huntington Hospital participate in select Medicare Advantage plans — but not all of them.
• Kaiser Permanente only accepts Kaiser Medicare Advantage.

If a specific hospital is a priority for you, I help find plans that truly support your preferred providers.

Important Deadlines

Turning 65?

You have 7 months to enroll (3 months before your birthday, your birthday month, and 3 months after)

Annual Enrollment Period

October 15 - December 7 for coverage starting January 1

Medicare Advantage OEP

January 1 - March 31 to switch Medicare Advantage plans

What Los Angeles Clients Say

Real stories from real people who found the right Medicare coverage with Paul’s help.
“When my Medicare Advantage plan suddenly stopped covering my doctors at Riverside Medical, I had no idea what to do. I was frustrated, anxious, and worried I’d have to change all of my providers. A friend recommended I call Paul Barrett — and I’m so grateful I did.
Paul took the time to understand my situation, walked me through all my options, and found a new plan that kept every one of my doctors in-network. He explained everything clearly, without pressure, and made the entire process effortless.
If you live in Los Angeles and your plan changes or your doctors fall out of network, call Paul. He truly knows this market and cares about getting you the right coverage. He saved me from losing the medical team I trust.”

— Patrick C.

Los Angeles, CA
“When Medicare Open Enrollment came around, I was completely overwhelmed. Every commercial, every flyer, every phone call just added to my confusion. My biggest worries were keeping my doctors here in Los Angeles and finding a plan that would actually lower my out-of-pocket costs. I didn’t know where to start — or who to trust.
A friend suggested I reach out to Paul Barrett, and it was the best decision I could have made. Paul took the time to explain my options in plain English. He checked every one of my doctors, compared my medications, and helped me understand which plans truly matched what I needed — not just what was being advertised.
Thanks to Paul, I enrolled in a plan that keeps all my doctors AND saves me money every month. The relief I felt after our call was incredible. He made a stressful process simple and helped me feel confident in my choice.
If you’re in Los Angeles and feeling overwhelmed by Medicare, talk to Paul. He genuinely cares and makes the whole process so much easier.”

— Mary

Los Angeles, CA

About Paul Barrett - Your Los Angeles Medicare Expert

18+ Years

Experience

18+

Years Experience

5,000+

Clients Served

10+

MA Carriers

12+

Medigap Carriers

I’ve been helping people navigate Medicare since 2007—that’s 18 years of keeping up with constant changes, new plans, and evolving regulations. Over that time, I’ve personally assisted more than 5,000 Medicare beneficiaries find coverage that works for their health and budget.
What sets me apart? I don’t work for any single insurance company. I’m an independent broker representing 10+ Medicare Advantage carriers and 12+ Medigap carriers. This means I can give you truly unbiased advice. My loyalty is to you—not to hitting sales quotas for a corporate office.
I believe in education over sales pressure. My job isn’t to convince you to buy something you don’t need. My job is to help you understand your options so you can make an informed decision. Some clients work with me for 15 minutes and know exactly what they want. Others need multiple conversations to feel confident. Either way is fine—I’m here to serve you at your pace.
When you work with me, you’re not just getting an agent for enrollment season. I’m available year-round to help with claims issues, coverage questions, and annual reviews. Medicare can be confusing, and having someone in your corner makes all the difference.

— Paul Barrett

The Modern Medicare Agency
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