Timothy McMurtrey Insurance Services

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 navigatin

g 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.

🎂 Turning 65? Do Not Let Medicare Advantage Myths Create Confusion.With so many TV, radio, and online ads about Medicare...
06/19/2026

🎂 Turning 65? Do Not Let Medicare Advantage Myths Create Confusion.

With so many TV, radio, and online ads about Medicare Advantage plans, it can be hard to know what is fact and what is just marketing noise.

Here are a few common myths to watch for:

❌ Myth: “All Medicare Advantage plans are the same.”
✅ Truth: Plans can vary by network, benefits, costs, prescription coverage, and service area.

❌ Myth: “The lowest premium always means the lowest cost.”
✅ Truth: It is important to look at the full cost structure, including copays, deductibles, prescriptions, and out-of-pocket limits.

❌ Myth: “Medication coverage does not need to be reviewed.”
✅ Truth: Prescription drug coverage can vary by plan, so reviewing the formulary is an important step.

Medicare decisions should be based on facts, not confusion.

📞 Call today to speak with a licensed insurance agent and review Medicare plan options.

FAQ:  Can My Spouse Get Medicare If I Sign Up?❌ No. Medicare does not work like employer health insurance. Each person m...
06/18/2026

FAQ: Can My Spouse Get Medicare If I Sign Up?

❌ No. Medicare does not work like employer health insurance. Each person must qualify for Medicare individually, either by age, disability, or other eligibility requirements.

📞 Reach out today to speak with a licensed insurance agent and review coverage options for both you and your spouse.

Missed a Medicare Enrollment Deadline? A Special Enrollment Period May Be Available.Missing a Medicare enrollment deadli...
06/16/2026

Missed a Medicare Enrollment Deadline? A Special Enrollment Period May Be Available.

Missing a Medicare enrollment deadline does not always mean options are closed.

Certain life changes may qualify someone for a Special Enrollment Period, including:

✔ Moving to a new service area
✔ Losing employer or Medicaid coverage
✔ Experiencing a qualifying life change, such as marriage or divorce

A Special Enrollment Period may allow eligible individuals to enroll in or switch Medicare plans outside of standard enrollment periods.

📞 Call today to speak with a licensed insurance agent about available Medicare options.

🎂 Turning 65 soon? Congratulations! As this milestone approaches, it’s a good time to start thinking about Medicare cove...
06/15/2026

🎂 Turning 65 soon? Congratulations! As this milestone approaches, it’s a good time to start thinking about Medicare coverage options.

Here are 5 key questions to consider:

🏥 Which parts of Medicare are needed?
🤔 Is Original Medicare or Medicare Advantage a better fit?
💊 Is prescription drug coverage needed?
🛡️ Should supplemental coverage be considered?
📅 When is the right time to enroll?

Medicare can feel overwhelming, but a licensed insurance agent can help explain the available options and provide guidance based on healthcare needs, lifestyle, and budget.

📞 Call today to get started on your Medicare journey!

Do You Need a Separate Plan for Prescription Drugs?If you're enrolling in Original Medicare (Parts A & B), you’ll need a...
06/13/2026

Do You Need a Separate Plan for Prescription Drugs?

If you're enrolling in Original Medicare (Parts A & B), you’ll need a separate Medicare Part D plan for prescription drug coverage.

Here’s why:
❌ Original Medicare does NOT cover most outpatient prescriptions.
❌ Delaying Part D enrollment could result in lifelong penalties.
✅ A Medicare Part D plan helps cover medications and lowers out-of-pocket costs.

💡 Not sure which plan covers your prescriptions at the best price? Let’s review your options together.

📞 Call today to speak with a licensed insurance agent about Medicare Part D.

What happens to your healthcare coverage when you travel?  Unplanned medical issues abroad can result in unexpected expe...
06/12/2026

What happens to your healthcare coverage when you travel? Unplanned medical issues abroad can result in unexpected expenses. Explore how Medicare supplement plans ensure you're covered wherever you go. ✈️

Call today to explore your options with a licensed insurance agent!

Q: Does Medicare cover all my healthcare expenses?A: No, Medicare may not cover all your healthcare expenses. There can ...
06/11/2026

Q: Does Medicare cover all my healthcare expenses?

A: No, Medicare may not cover all your healthcare expenses. There can be gaps in coverage, such as deductibles, coinsurance, prescription drugs, dental, vision, and hearing services.

However, Medicare Advantage, Medicare Supplement, and Part D plans can help bridge these gaps.

🌟 Let's explore your options to find a plan that aligns with your unique needs. Reach out for personalized support with a licensed insurance agent!

Turning 65 and new to Medicare? Here are 4 essential tips to prepare:✅Get familiar with enrollment periods.✅Determine yo...
06/09/2026

Turning 65 and new to Medicare? Here are 4 essential tips to prepare:

✅Get familiar with enrollment periods.
✅Determine your budget and specific health requirements.
✅Evaluate your prescription drug needs.
✅Seek guidance from a knowledgeable licensed insurance agent.

If You’re Still on Employer Coverage at 65, THIS Is the Mistake to AvoidMany people hit this snag every year:They stay o...
06/05/2026

If You’re Still on Employer Coverage at 65, THIS Is the Mistake to Avoid

Many people hit this snag every year:
They stay on their employer plan after 65, thinking they’re good to go…

But then they find out:
🚫 Their employer plan isn’t creditable coverage
🚫 They missed their Medicare window
🚫 They now owe a lifetime penalty on Part B or Part D

💡 The kicker? Their HR department didn’t even know.

If your company has fewer than 20 employees, or if you’re on a retiree plan or COBRA, you might already be responsible for enrolling in Medicare.

📞 Don’t rely on guesswork. Send a message or contact us today. A licensed insurance agent can help you understand exactly what qualifies as creditable and whether you need to act now.

Why Work With a Local Licensed Insurance Agent?Medicare isn’t one-size-fits-all...so why rely on generic advice?Working ...
06/04/2026

Why Work With a Local Licensed Insurance Agent?

Medicare isn’t one-size-fits-all...so why rely on generic advice?

Working with a local, independent licensed insurance agent means:

✅ Personalized service: I help YOU, not a call center
✅ Local knowledge: I know the plans available in YOUR area
✅ Ongoing support: Not just a one-time call, I’m here year-round

💡 You don’t have to figure out Medicare alone. Let’s find the best plan for YOUR needs!

📞 Call or message today to speak to a local licensed insurance agent for a free plan review.

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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