Timothy McMurtrey Insurance Services

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Timothy McMurtrey Insurance Services Give me a call today! I take the time to understand your situation, answer your questions, and provide clear, unbiased advice to help you find the right plan.

I guide individuals in Los Angeles and surrounding areas through the complex landscape of Medicare & health insurance enrollment, providing personalized consultations to match them with the best plan for their unique needs & budget. As a Medicare and individual health insurance enrollment specialist serving Los Angeles and the surrounding areas, I understand the challenges that come with navigating the complex world of healthcare coverage. With years of experience and a deep knowledge of the various plans and options available, I'm here to guide you through the process and help you make informed decisions about your healthcare. Whether you're approaching Medicare eligibility or seeking coverage outside of employer-sponsored plans, I offer personalized consultations to match you with the plan that best suits your unique needs and budget. My goal is to simplify the enrollment process and empower you to make choices that will protect your health and financial well-being. I stay up-to-date on the latest changes in healthcare regulations and options, ensuring that you have access to the most current information and resources. When you work with me, you can expect:

- Personalized guidance tailored to your specific needs and budget
- In-depth knowledge of Medicare and individual health insurance plans in Los Angeles
- Clear, unbiased advice to help you make informed decisions
- Simplification of the complex healthcare enrollment process
- Ongoing support and resources to help you manage your healthcare coverage

Don't let the complexities of healthcare enrollment overwhelm you. Trust me to navigate the intricacies and provide the expert guidance you need to make the best choices for your health and well-being. As a Los Angeles-based specialist, I'm committed to helping you find the right plan for your needs and budget. Contact me today to schedule a personalized consultation and take the first step towards securing the healthcare coverage you deserve. Let me handle the complexities of Medicare and individual health insurance enrollment, so you can focus on what matters most—your health and well-being.

Still Working and Have Employer Coverage? Here’s Who Pays FirstTurning 65 while you’re still working can raise some impo...
09/14/2026

Still Working and Have Employer Coverage? Here’s Who Pays First

Turning 65 while you’re still working can raise some important Medicare questions:

• Do I need to enroll in Medicare?
• Will my employer coverage pay first?
• What happens if Medicare is supposed to be my primary coverage?

In many situations, the size of your employer helps determine who pays first:

• 20 or more employees: Your employer group health plan generally pays first, and Medicare pays second.

• Fewer than 20 employees: Medicare generally pays first, and your employer group health plan pays second.

If Medicare should be your primary coverage and you haven’t enrolled, you could be responsible for costs your employer plan doesn’t pay.

Still working past 65 and not sure how Medicare works with your employer coverage?

Comment “WORKING” below to speak with a licensed insurance agent who can help you understand your Medicare options before you make a decision.

Q: What is IEP?A: IEP stands for “Initial Enrollment Period.” This is generally your first opportunity to sign up for Me...
09/09/2026

Q: What is IEP?

A: IEP stands for “Initial Enrollment Period.” This is generally your first opportunity to sign up for Medicare.

Your IEP is a 7-month period that begins 3 months before the month you turn 65, includes your birthday month, and continues for 3 months after.

Understanding your Initial Enrollment Period can help you know when to take the next steps with Medicare Part A and Part B.

Not sure when your IEP begins?

Comment “IEP” below to speak with a licensed insurance agent who can help answer your Medicare enrollment questions.

Medicare without guidance feels like driving with no GPS.You’re entering unfamiliar territory.You know where you want to...
09/08/2026

Medicare without guidance feels like driving with no GPS.

You’re entering unfamiliar territory.
You know where you want to go: good coverage, low costs, no surprises.

But instead, you're faced with:
✔️ Confusing plan names
✔️ Conflicting advice
✔️ Deadlines no one warned you about

💡 Medicare isn’t a straight road, and taking the wrong turn can cost you.

📞 Call to speak with a licensed insurance agent and let’s map out the route that’s right for you.

Medicare Advantage or Medicare Supplement? Let’s Make It Simple.You’ve probably seen plenty of Medicare ads, but choosin...
09/04/2026

Medicare Advantage or Medicare Supplement? Let’s Make It Simple.

You’ve probably seen plenty of Medicare ads, but choosing a plan should come down to more than a commercial.

Medicare Advantage plans may have lower monthly premiums, but often include provider networks and plan-specific rules.

Medicare Supplement (Medigap) plans work with Original Medicare and generally offer more flexibility when choosing providers who accept Medicare, but typically have an additional monthly premium.

So, which option is right for you?

It depends on your healthcare needs, doctors, prescriptions, travel habits, and budget.

Comment “REVIEW” below to speak with a licensed insurance agent who can help you review Medicare Advantage and Medigap options based on what matters to you.

You’ve Made It Through Every Decade. Medicare Shouldn’t Be the Hardest One.You figured out how to raise a family, buy a ...
09/03/2026

You’ve Made It Through Every Decade. Medicare Shouldn’t Be the Hardest One.

You figured out how to raise a family, buy a home, manage a budget, and maybe even fix your own car.

Now here comes Medicare with enrollment deadlines, different plan options, and terminology that can leave you wondering where to even begin.

Medicare doesn’t have to feel that complicated.

Getting personalized Medicare guidance can help you understand your coverage, compare Medicare plan options, and make an informed decision based on your needs.

Ready for some clarity?

Comment “MEDICARE” below to speak with a licensed insurance agent who will take the time to answer your questions and help you understand your options.

Worried About Keeping Your Doctor with Medicare?Your doctors matter. Before choosing a Medicare plan, it’s important to ...
09/02/2026

Worried About Keeping Your Doctor with Medicare?

Your doctors matter. Before choosing a Medicare plan, it’s important to understand how your coverage may affect the doctors and specialists you see.

A few questions worth asking:

• Does my doctor accept Medicare?
• Is my specialist in the plan’s network?
• Are my preferred hospitals included?
• Could choosing a different plan affect my provider access?

Provider networks and access can vary depending on the Medicare coverage and plan you choose.

Want help reviewing Medicare plans with your doctors in mind?

Comment “DOCTOR” below to speak with a licensed insurance agent about your Medicare plan options.

Have Both Medicare & Medicaid? There’s a Plan Built Just for YouIf you qualify for both Medicare and Medicaid, you may b...
08/31/2026

Have Both Medicare & Medicaid? There’s a Plan Built Just for You

If you qualify for both Medicare and Medicaid, you may be eligible for a D-SNP—a type of Medicare Advantage plan designed to coordinate your care and help reduce out-of-pocket costs.

💡 These plans are built for people with limited income who are eligible for both programs.

✅ One card for your healthcare needs
✅ Coordinated care between your providers
✅ May help with costs Medicare doesn’t fully cover

📞 Call to speak with a licensed insurance agent and find out if you qualify for a Dual Eligible Special Needs Plan.

Did you know that although Original Medicare covers the basics, it doesn't cover everything! Here are 3 pathways you can...
08/27/2026

Did you know that although Original Medicare covers the basics, it doesn't cover everything! Here are 3 pathways you can take to bridge the gap for what Original Medicare lacks:

➡️Original Medicare + Part D plan

➡️Medicare Advantage plan

➡️Original Medicare + Medicare Supplement plan + Part D plan

Remember, there is no right or wrong plan. There are only plans that fit your unique health and financial situation.

Comment Help below to speak with a licensed insurance agent about your Medicare options.

Friendly Reminder 🔔Don’t mix up your Medicare enrollment timeline with your Social Security retirement age.• Medicare ge...
08/25/2026

Friendly Reminder 🔔

Don’t mix up your Medicare enrollment timeline with your Social Security retirement age.

• Medicare generally begins at age 65. Your Initial Enrollment Period starts 3 months before the month you turn 65 and lasts for 7 months total.

• Social Security retirement benefits can begin as early as age 62, but your full retirement age depends on the year you were born. For people born in 1960 or later, full retirement age is 67.

Your Medicare eligibility is separate from your Social Security full retirement age.

Have questions about when to enroll in Medicare? Message today to speak with a licensed insurance agent for personalized Medicare enrollment guidance.

What is a Medicare Special Enrollment Period?A Medicare Special Enrollment Period (SEP) is a period outside of certain r...
08/24/2026

What is a Medicare Special Enrollment Period?

A Medicare Special Enrollment Period (SEP) is a period outside of certain regular enrollment periods when you may be able to enroll in Medicare or make changes to your Medicare coverage because of a qualifying event.

Certain situations may qualify you for an SEP, such as:

• Moving to a new service area
• Losing certain health coverage
• Changes in Medicaid eligibility
• Other qualifying life events or circumstances

The rules and timeframes can vary depending on the type of Special Enrollment Period, so it’s important to understand what applies to your specific situation.

Not sure if you qualify for a Medicare Special Enrollment Period? Message today to speak with a licensed insurance agent and discuss your Medicare plan options.

Address

11555 W Olympic Boulevard #A
Santa Monica, CA
90064

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm

Telephone

+19512525328

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