Thank You!

Thank you for stopping by and visiting my website! Although I work with a variety of different insurance products from term life, dental, final expense, critical illness (CI), and linked-benefit long-term care (LTC) insurance, my primary focus and area of expertise is with Medicare Supplement insurance, which is also known as “Medigap” because it picks up the "gap" in coverage that Medicare doesn’t cover. 


There are 10 Standardized Medicare Supplement Plans to Choose From

Nationwide, there are 10 standardized Medicare Supplement plans to choose from (Plan A through Plan N). Please see the chart to the right. The word “standardized” means that the benefits and coverage for every Plan F, Plan G, etc. are exactly the same no matter what insurance carrier you are with, so it is now much easier to shop around and compare “apples with apples,” Plan F with Plan F, Plan G with Plan G, etc. 

NOTE: Plans C, F and High Deductible F: As of January 1, 2020, Plans C, F and High Deductible F cannot be sold to those newly eligible for Medicare. Newly eligible is defined as anyone who: (a) attains age 65 on or after January 1, 2020, or (b) who first becomes eligible for Medicare benefits due to age, disability or end-stage renal disease on or after January 1, 2020. Those enrolled in Plans C, F or High Deductible F prior to January 1, 2020 may keep their plan. Those individuals who became eligible for Medicare prior to January 1, 2020 may keep or purchase Plans C, F or High Deductible F after December 31, 2019.


Rates Vary Significantly Between Insurance Carriers

In California and in most states, rates are based on your "attained" age, so they are constantly changing and they go up in price as you get older. Besides your age, there are other variables that can affect rates such as your zip code, whether you live alone, are married, have a roommate, and whether you're a smoker. 

Although Medicare Supplement plans are standardized, the rates (premiums) that various insurance carriers charge for these products are not standardized, and there is a significant difference in price from one insurance carrier to the next for the same identical plan and coverage!

For example, in the 92056 zip code in San Diego, CA, the Plan F rates for a 72 year old female range from $165 to $307 per month ($1,980 to $3,684 per year)! That is a difference of $1,704 per year from the lowest to the highest Plan F Medicare Supplement in the 92056 zip code!

In other words, some 72 year old individuals in San Diego are paying $165 per month for their Plan F Medicare Supplement insurance while others are paying $284 per month for theirs, for the same identical plan and coverage!

Personal Introduction

Thank you for checking out my website!

Let Me Do the Shopping For You!


Independent Agent Versus Captive Agent

A captive insurance agent works for a particular insurance company and can only sell that carrier's products. As an independent agent, I work with ALL the major insurance carriers in California and in several other states. Consequently, I work for YOU, not a particular insurance company. I will do the shopping for you, EVERY YEAR, to make sure that you aren't paying too much for your Medicare Supplement insurance, and THERE IS NO CHARGE FOR THIS SERVICE!

Here are some of the insurance carriers that I work with:

  • Aetna
  • American National Life Insurance
  • Anthem Blue Cross
  • Blue Shield of California
  • Cigna
  • Health Net
  • Humana
  • Individual Assurance Company (IAC)
  • Mutual of Omaha
  • Transamerica
  • UnitedHealthcare (AARP)
  • United of Omaha


Turning 65 or New To Medicare?

When you turn 65 or start Medicare, signing up for Medicare or choosing the right Medicare Supplement plan or prescription drug plan can be very confusing. No need to worry though because I will help you do that. Again, there is no charge for my service!

If you are turning 65 or you are new to Medicare, please click here to watch my video, "How to Sign Up for Medicare When You Turn 65." This 12-minute video will answer your questions, and it provides all the information you need to sign up for Medicare.

For information on how to sign up for a Medicare prescription drug plan (PDP), please click here to watch my video, "How to Sign Up for a Medicare Prescription Drug Plan."

If you already have a Medicare Supplement plan, click here to see my video, "Tips and Tricks for Saving Money on Your Medicare Supplement Plan." This video will show you ways to save money on your Medicare Supplement insurance!



If you have any questions or if you would like a free, no obligation Medicare Supplement quote, please don't hesitate to contact me! 

You can reach me by phone or email. For my personal contact information, please go to my Contact page. I'm always happy to help!

Thank you!

Ron Lewis

Looking for a Great Dental, Vision, and Hearing Plan?

No Networks - Go to the Dentist of Your Choice!

Although my primary focus is with Medicare Supplement insurance, I recently found out about this combination Dental, Vision, and Hearing plan, which is the BEST plan I've ever seen! 

Why? Because there are NO NETWORKS, and you can choose the Dentist, Vision, and/or Hearing  providers of your choice!

Here are some of the benefits:

  • $1,000 to $1,500 policy year benefit options available.
  • Bucket of money concept.
  • Spend your entire $1,000 or $1,500 on dental, vision, and/or hearing.
  • Pays a flat percentage of your actual covered costs (from 60% to 80%).
  • Guaranteed Issue for ages 18-75.
  • Guaranteed renewable to age 80 in California and for life in certain states.
  • Rates don't increase as you get older unless there is a rate increase for everyone in a certain rate class.
  • Reasonable rates from $29 to $41 per month.

More Information

For more information about this plan, click here to watch my short video. For California residents, please click the following button for more specific information or to sign up online for the plan. There are no health questions, and you cannot be turned down for coverage.

Check Out My Insurance Video Library!

To check out some of my other insurance videos, please click the button below!