A
Hospital Insurance
Inpatient hospital stays, skilled nursing care, hospice and some home health care.
Original Medicare
Independent Medicare Brokers
Medicare made simple, with a real person by your side.
We compare plans from top-rated insurance companies to find coverage that fits your doctors, prescriptions and budget. Our help is always free.
- No cost to you
- Licensed, local agents
- No pressure, ever
Free, no-obligation review with a licensed agent.
10+ top carriers
★★★★★
4.9 from 2,100+ clients
4.9 from 2,100+ clients
Lesly Gonzalez, Licensed Agent“We give every client the utmost care, like they're family.”
Health insurance providers we partner with
About us
Welcome to our healthcare family
We are a Medicare health insurance company that provides coverage plans for seniors and those with disabilities. Medicare provides benefits for doctor’s visits, hospital stays, and prescription drugs. Medicare also covers preventive services, such as screenings and vaccines. Medicare Advantage plans offer additional benefits, such as dental, vision, and fitness. Medicare Advantage plans are offered by private insurance companies and have different costs, benefits, and rules than Medicare.
You can enroll in Medicare Advantage plans during specific enrollment periods. You can also switch from one Medicare Advantage plan to another during the annual open enrollment period. If you have Medicare and Medicaid, you can enroll in a Medicare Advantage plan that covers both programs. These plans are called Dual Eligible Special Needs Plans.
Get Started
Medicare 101
The four parts of Medicare, explained
Medicare has four main parts, and each one covers something different. Here's a quick overview.
B
Medical Insurance
Doctor visits, outpatient care, preventive services, lab tests and medical equipment.
Original MedicareC
Medicare Advantage
An all-in-one alternative from private insurers. Often includes drug, dental and vision coverage.
Private plansD
Prescription Drugs
Helps pay for prescription medications. Available as a stand-alone plan or inside Advantage plans.
Private plansCoverage options
Find the plan type that fits your life
Not sure which is right for you? That's what we're here for. We'll explain the trade-offs and help you choose.
Medicare Advantage
Combines Parts A, B and usually D into one plan with extra benefits.
- Many plans have a $0 monthly premium
- Dental, vision and hearing often included
- Yearly cap on out-of-pocket costs
- Usually uses a provider network
Medicare Supplement
Also called Medigap. Works alongside Original Medicare to cover the gaps.
- See any doctor that accepts Medicare
- Predictable, low out-of-pocket costs
- Coverage when you travel in the U.S.
- Pair with a Part D drug plan
Part D Drug Plans
Stand-alone prescription coverage for people with Original Medicare.
- We check your exact medications
- Find your preferred pharmacies
- Yearly cap on drug costs
- Helps avoid late-enrollment penalties
How it works
Three easy steps to the right coverage
Most clients are done in a single 30-minute conversation, by phone, video or in person.
1
Tell us about you
Share your doctors, prescriptions and what matters most to you. No paperwork yet.
2
Compare side by side
We search plans from many carriers and explain your best options in plain English.
3
Enroll with confidence
We handle the enrollment and stay with you, with yearly reviews and help with claims.
Key datesBook My Free Plan Review
When can you enroll or make changes?
Missing a deadline can mean waiting a year or paying a penalty. Here are the dates to remember.
Around your 65th birthday
Initial Enrollment
A 7-month window: 3 months before, the month of, and 3 months after you turn 65.
● Open nowOct 15 – Dec 7
Annual Enrollment
Anyone with Medicare can switch Advantage or Part D plans. Changes start January 1.
Jan 1 – Mar 31
Advantage Open Enrollment
If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare.
Anytime, if you qualify
Special Enrollment
Moving, losing employer coverage, or qualifying for Extra Help can open a special window.
Why work with a broker
Unbiased advice. Real people. Zero cost.
Insurance companies pay us, so you never pay a cent for our help, and your premium is the same as if you went direct.
- We work for you, not one insurerWe compare plans from many companies side by side.
- Help that doesn't end at enrollmentBilling questions, claims issues, yearly reviews: just call.
- Local and licensedMeet by phone, video or in person at our office.
15+years helping families with Medicare
12kclients enrolled and supported
10+insurance carriers compared
$0cost for our service, always
Our team
Our agents
Meet the licensed agents who will guide you through every step.
Lesly GonzalezLicensed Agent
Mario A ArceLicensed Agent
Eva AndersonLicensed Agent
Tristen AvinaLicensed Agent
Marlene MoyaLicensed Agent
Diana ArroyoLicensed Agent
Lucy RinconLicensed Agent
Ezekiel N. FloresLicensed Agent
Nancy FloresLicensed Agent
Client stories
Trusted by thousands of neighbors
“I was overwhelmed by all the mail I was getting. My agent explained everything patiently and found a plan that kept all my doctors.”
“They found a drug plan that saves us over $1,200 a year on my wife's prescriptions. I wish we'd called sooner.”
“No pressure at all. They call me every fall to review my plan, and they helped me sort out a billing problem in one phone call.”
Questions
Frequently asked questions
Straight answers to the questions we hear most.
Does it cost anything to work with you?
No. Our service is free. We're paid by the insurance companies, and plan prices are set by the carriers, so you pay the same premium whether you enroll with us or directly.
When should I start looking at Medicare plans?
We recommend reaching out about 3 to 6 months before you turn 65. Your Initial Enrollment Period starts 3 months before your birthday month.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with an all-in-one private plan, often with low premiums and a provider network. Medigap supplements Original Medicare, usually with a higher premium but lower out-of-pocket costs and freedom to see any provider that accepts Medicare.
I'm still working at 65. Do I need to sign up?
It depends on your employer's size and coverage. Many people can delay Part B without penalty. We'll review your situation and help you avoid costly mistakes.
Can I keep my current doctors?
Yes, in most cases. We check whether your doctors and hospitals are in-network before recommending any plan.
Can I change my plan later?
Yes. During Annual Enrollment (Oct 15 – Dec 7) you can switch plans each year, and we'll review your coverage with you annually.
Let's find your plan together
Request a free, no-obligation consultation. A licensed agent will reach out at the time that works for you.
- (844) 200-7009Mon–Fri 8am–8pm ET
- lgonzalez@dolceimperialhealth.comWe reply within one business day
- 6477 Telephone Rd, Suite 5Ventura, CA 93003 · Walk-ins welcome