Sterling Health Plan Advisor

Sterling Health Plan Advisor Premier insurance agency with 22 years of experience in Medicare plans. Serving Santa Monica and surrounding areas.

Working with UCLA, Cedars-Sinai, USC Keck, and Providence hospitals. Offering Medicare Supplements, Drug Plans, and Advantage HMOs & PPOs. With 22 years of industry experience, we are the premier insurance agency specializing in Medicare and senior health plans, proudly serving Santa Monica and the surrounding areas. Our deep knowledge and strong ties to the UCLA, Cedars-Sinai, USC Keck, and Provi

dence hospitals and medical groups in the West Los Angeles area set us apart as the go-to resource for all your Medicare needs. Our comprehensive services include Medicare Supplements, Prescription Drug Plans, and Medicare Advantage HMOs & PPOs. We understand that navigating the complexities of Medicare can be overwhelming, which is why we are dedicated to providing personalized guidance and support to help you make informed decisions about your health plan. As your trusted partner, we take the time to understand your unique needs and tailor our recommendations to ensure you have the best possible plan for your specific situation. Whether you're new to Medicare, looking to review your current plan, or have questions about your benefits, our knowledgeable team is here to assist you every step of the way. We pride ourselves on our accessibility and commitment to exceptional customer service. Our goal is to simplify the process and provide you with the peace of mind that comes from knowing you have the right plan in place for your needs. With our extensive experience and deep understanding of the local healthcare landscape, you can trust us to help you navigate the ever-changing world of Medicare with confidence. If you're looking for a reliable, experienced agency to guide you through your Medicare journey, look no further. Contact us today to schedule a consultation and discover how our expertise can help you secure the best coverage for your needs. Together, we'll ensure you have the right plan in place to support your health and well-being in the years to come. Call or text us for a free consultation: 213-513-4906.

09/11/2025

Did you know? Medicare Part D Now Has a $2,000 Out-of-Pocket Cap!

As of 2025, Medicare Part D now limits your annual out-of-pocket drug costs to $2,000.

Here’s what this means for you:
✅ Once you spend $2,000 on covered medications, you won’t pay anything else for the rest of the year.
✅ This is a game-changer for people with high prescription costs.
✅ No more worrying about unlimited drug expenses!

💡 Want to make sure your plan takes full advantage of this new coverage? Let’s review your coverage.

📞 Call us for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

09/10/2025

FAQ: Does Medicare Cover Hearing Aids?

👂 Original Medicare (Parts A & B) does NOT cover hearing aids or routine hearing exams. That means:

❌ You pay 100% of the cost for hearing aids & fittings
❌ Routine hearing exams aren’t covered unless medically necessary

📞 To learn more, Call us for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

Not all Medicare plans are the same!You might be tempted to choose the Medicare plan with a lower out of pocket cost—aft...
09/04/2025

Not all Medicare plans are the same!

You might be tempted to choose the Medicare plan with a lower out of pocket cost—after all, who doesnt want to maximize their budget? 💰

But here’s what many people don’t realize:

❌ A lower cost can mean higher out-of-pocket costs when you actually need care.
❌ Your preferred doctors may not be in-network, forcing you to pay more or switch providers.
❌ Prescription drug costs could be much higher, even if the plan itself is affordable.
❌ Certain coverages you rely on—may not be included.

💡 Choosing a Medicare plan isn’t just about the monthly cost—it’s about making sure your total healthcare costs stay manageable.

📞 Call today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

09/03/2025

I Signed Up for Medicare… But Now What?

You did the hard part—you enrolled in Medicare! But now what?

❓ How do you use your plan?
❓ What if you need to see a specialist?
❓ Do you need prescription coverage?

Many new Medicare beneficiaries don’t realize what their plan actually covers until they need care.

💡 Let’s go over the details so you know exactly what to expect. No surprises, just clarity.

📞 Call us today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

Why Am I Being Charged More for Medicare Than My Friend?A lot of people are shocked when they see their Medicare bill—es...
08/27/2025

Why Am I Being Charged More for Medicare Than My Friend?

A lot of people are shocked when they see their Medicare bill—especially when they realize their friend is paying less.

💰 If your income is above a certain level, you may have to pay more for Medicare Part B and Part D.
📅 But here’s something most people don’t know: Medicare uses your income from two years ago to decide what you owe.

If you’re retired now and making less than before, you may be able to appeal and lower your costs!

💡 Let’s talk about how Medicare calculates your costs and see if you’re maximizing your budget.

📞 Call today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

08/26/2025

I Thought Medicare Was Free?

You’ve paid into Medicare your whole working life, so it should be free when you turn 65… right?

🚨 Not exactly.
💰 Part B comes with a monthly premium.
💊 Prescription drug coverage isn’t included—you have to add a Part D plan.

Many people don’t realize this until they get their first bill. Let’s go over the costs so you’re not caught off guard.

📞 Call today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

08/23/2025

Have You Heard? Big Medicare Changes That Could maximize your budget!

If you’re on Medicare, there are HUGE updates you need to know about—and they’re already in effect!

✅ Insulin is now capped under Medicare Part D
✅ Adult vaccines—like the shingles shot—are now FREE (no cost-sharing!)
✅ More out-of-pocket prescription drug cost limits are coming soon

💡 But here’s the thing… not all Medicare plans apply these changes the same way. Are you sure your plan is maximizing your budget?

📞 Give us a call today to speak with a licensed insurance agent—let’s make sure you’re taking advantage of these coverage!

Retiring Soon? You May Need a Medicare Plan.💼 If you're retiring at 65+, Medicare does NOT automatically enroll you in e...
08/18/2025

Retiring Soon? You May Need a Medicare Plan.

💼 If you're retiring at 65+, Medicare does NOT automatically enroll you in everything you need.

Here’s what happens:
🔹 You get Medicare Part A & B (but need to sign up if you’re not getting Social Security)
🔹 You need to add a Part D drug plan—or face a lifetime penalty
🔹 You might need a Medicare Supplement or Medicare Advantage plan to avoid high out-of-pocket costs

Leaving employer coverage? DON’T WAIT. If you don’t sign up for Medicare on time, you could end up with no coverage and penalties.

📢 Medicare decisions after retirement don’t have to be overwhelming. Let's go over your options together! Give us a call to speak with a licensed insurance agent.

Why Is Medicare So Confusing?You finally hit 65, and instead of celebrating, you're stuck trying to figure out Medicare....
08/14/2025

Why Is Medicare So Confusing?

You finally hit 65, and instead of celebrating, you're stuck trying to figure out Medicare.

📑 Parts A, B, C, D—what does it all mean?
💊 Do you need a drug plan if you don’t take medication?
💰 Why do some people pay more than others?

Nobody tells you that Medicare isn’t automatic and that choosing the wrong coverage could cost you big time.

💡 Good news: You don’t have to figure this out alone. Let’s go over your options together and make sure you’re on the right track.

📞 Give us a call today to speak with a licensed insurance agent for a no-cost, no-obligation Medicare plan review.

08/13/2025

Have Your Healthcare Needs Changed?

🔹 New diagnosis?
🔹 New medications?
🔹 A tighter budget?

If your healthcare needs have changed, it may be helpful to review your Medicare plan to ensure it still meets your needs.

✅ Check if your doctors are still in-network
✅ Ensure your prescriptions are covered affordably
✅ Explore available Medicare plan options

📞 Give us a call today to speak with a licensed insurance agent for a no-cost, no-obligation Medicare plan review.

08/07/2025

Did you know? If you don’t enroll in Medicare Part D when you’re first eligible and don’t have other creditable prescription drug coverage, you may face a lifetime late enrollment penalty.

✅ The penalty is added to your monthly premium for as long as you have Part D.

📞 If you need help understanding your options, speak with a licensed insurance agent today!

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Santa Monica, CA
90401

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