When should I enroll in Medicare?

Your Initial Enrollment Period generally begins 3 months before you turn 65, includes your birthday month, and continues for 3 months after your birthday month. If you are still working and covered by qualifying group health coverage based on current employment, you may qualify for a Special Enrollment Period. Your enrollment timing depends on your circumstances.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private Medicare-approved plan and may include prescription drug coverage and additional benefits. Medicare Supplement insurance, also called Medigap, works with Original Medicare to help pay certain Medicare cost-sharing expenses. The two types of coverage work differently and may fit different healthcare and financial needs.

Do I have to pay for Kidwell Insurance Services?

There is no direct fee to clients for our insurance guidance and enrollment assistance. Insurance carriers generally compensate licensed agents when a client enrolls in a plan they represent. Carrier compensation does not increase the plan's premium.

Can I switch Medicare plans?

Depending on your circumstances, you may be able to change Medicare coverage during certain enrollment periods. The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Medicare Advantage enrollees may also have certain opportunities to make changes during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other Special Enrollment Periods may apply.

What if my doctors are not in the plan's network?

Before enrolling in a Medicare Advantage plan, it is important to verify that your doctors, hospitals, and other healthcare providers participate in the specific plan's network. Network rules vary by plan. Medicare Supplement insurance works with Original Medicare, which generally allows you to see any doctor or hospital that accepts Medicare, subject to Medicare's rules.

Personalized Insurance Guidance for Every Stage of Life

Helping individuals, families, and retirees compare Medicare coverage, prescription plans, life insurance options solutions.

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Helping Clients Navigate Insurance with Confidence

Choosing healthcare and insurance coverage can feel overwhelming. Our insurance guidance focuses on simplifying the process with personalized education, plan comparisons, and long-term support.

Medicare Enrollment Assistance

Compare Medicare Supplement, Medicare Advantage, and prescription drug plan options from multiple carriers.

Prescription Drug Reviews

Review medications, formularies, pharmacy networks, and estimated annual prescription costs.

Life Insurance Consultations

Explore life insurance solutions designed to help protect your family and long-term goals.

Annual Coverage Reviews

Review coverage yearly to help ensure plans continue meeting healthcare and financial goals.

Our Insurance Guidance Process

Initial Consultation

We discuss healthcare needs, prescriptions, doctors, financial goals, and current coverage.

Coverage Review

We review available plan options and explain important differences in benefits, costs, and provider access.

Personalized Recommendations

We help identify coverage options designed around individual priorities and long-term goals.

Enrollment Assistance

We guide clients through applications, timelines, and next steps.

Insurance Products We Help Clients Explore

Medicare Solutions

Life Insurance

Additional Coverage Options

Frequently Asked Questions

Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and schedule an appointment.

Consultations are provided at no direct cost to clients.
Yes. We help compare coverage options from multiple insurance carriers.
Yes. Prescription and provider reviews are an important part of evaluating Medicare coverage.
No. We also help clients explore life insurance and other supplemental coverage options.
Yes. We continue helping clients with annual reviews and future coverage questions.

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We help individuals and retirees compare insurance plans throughout San Jose, Morgan Hill, Monterey, and surrounding Bay Area communities.

Review insurance plan options with a licensed insurance agent and find coverage designed around your healthcare needs and budget.

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