Looking for the Medicare plan that's best for you?
Karla Flores, a licensed local Medicare agent, will explain Medicare and help you find the plan that works for you. She'll even help you enroll.
Medicare and health insurance can be complicated. Karla Flores will help you find the plan that’s right for you - based on your prescriptions and doctors.
Call Karla Flores to learn more about selecting the best Medicare coverage.
"Karla Flores has been my insurance agent for two years. She has helped me to navigate the confusing Medicare Advantage programs. She is kind, courteous and always has my best interests in mind. She is extremely knowledgable and if she doesn’t know the answer to my questions, she finds the answer. I would recommend her to anyone for their health insurance needs."
Larry H
About Medicare
Medicare is a national health insurance program that provides access to high-quality, affordable, medical care for US citizens and lawful permanent residents.
How Medicare Works
You should apply for Medicare Parts A and B starting 90 days before the first day of the month you turn 65.
Medicare (Parts A and B) covers 80% of your medical costs.
- Part A covers hospital stays.
- Part B covers doctor visits and other outpatient care.
After you apply through the Social Security Administration, it could take up to 45 days to get your Medicare card. So don’t wait to apply.
If you qualify for Medicare, there is no cost for Part A. The monthly cost for Part B depends on your income.
Social Security and Medicare are separate programs that require individual enrollments with the Social Security Administration.
Most people apply for Medicare at 65. But many people don’t begin getting Social Security benefits until age 67 — when they are fully eligible.
Karla Flores, a licensed Medicare agent, will work with you to decide how to pay for the 20% of healthcare costs that Medicare doesn’t cover. Your choices are Medicare Advantage (Part C) or a Medicare Supplement plan (Medigap).
What is Medicare Advantage?
Medicare Advantage (Part C) is private insurance that includes hospital (Part A), medical (Part B), and often prescription drug (Part D) coverage in one plan. You are given access to a network of providers. Medicare Advantage can make enrollment easier and possibly lower out-of-pocket costs.
Karla Flores, a licensed Medicare agent, will work with you to compare plans and find the one that fits your needs.
What are Medicare Supplement Plans?
Medicare Parts A and B don’t include deductibles, co-pays and coinsurance. That’s why you get a Medicare Supplement plan (Medigap) to cover the gap. You can also add a Part D prescription drug plan.
Medicare Supplement plans have a monthly premium but usually no co-pays for doctor visits and no network restrictions. You can visit any provider who accepts Medicare.
Licensed Medicare agent Karla Flores can help you create a benefits package built to your needs.
What we do?
Medicare is a maze of complicated rules and regulations. You need a trusted, licensed agent to guide you.
With years of experience, Karla Flores and her .team make Medicare easier to understand and helps you select an affordable plan that fits your needs. She willl even sign you up for coverage.
There is no cost for her services.
