San Diego Medicare Insurance Office

Turning 65? We’ll enroll you in the best Medicare insurance in San Diego!

Paying Too Much? We’ll find you more affordable coverage!

Need More Coverage? We’ll get you a different plan!

Learn About Your Medicare Options for 2022:

Contact Us About Your San Diego Medicare Options and Additional Coverage

Enrolling in Original Medicare is the first step to completing your Medicare enrollment process.

You’ll enroll in Part A and Part B at and you’ll receive your ID card and Medicare number in the mail.

After enrolling in Original Medicare, you’ll want to decide what sort of additional coverage you’d like to complete your insurance plan. Insurance carriers in San Diego offer both Advantage Plans and Supplement Insurance Plans.

Advantage Plans provide extra benefits on top of your Medicare services including dental, vision, transportation services, and prescription drug coverage. Supplement Insurance offers access to doctors all across the United States.

Learn more about the different options available to you as well as information regarding each insurance carrier’s additional benefits on our website or contact us with any questions.

Enrollment in Medicare - Frequently Asked Questions

Questions About Enrollment in Medicare in San Diego

We often get questions about switching to Medicare from other insurance plans. In these FAQs, you can learn more about enrollment in Medicare. Make sure to ask us any question we can also answer, our service is FREE to you, it’s a win – win!

  • Medicare Enrollment
  • Eligibility
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  • 1. How do I get my Medicare Number?

    After you enroll in Original Medicare, you'll receive your Medicare number in the mail.  This can take up to 3 weeks for the Social Security Office to process your application and send you your Medicare number.  Enroll in Original Medicare here:

  • 2. Should I enroll in Medicare by myself or with the help of a broker?

    You should enroll with a Medicare broker like HealthyMarks. There are no drawbacks to working with a broker. The services offered by our team are free to you because insurance companies have agreed that our services are worth it to them. Our goal is to ensure you enroll in the best plan for you.

  • 3. Should I stick with my Large Group Employer health insurance policy or switch to Medicare?

    For companies larger than 100 employees, health insurance policies are no longer age based. The group takes the entire age of the company, averages it out, and provides the same rate for all employees no matter their age.

    Even though you at age 65 will get a better deal than someone at age 30, these group health insurance plans still do not match the price or quality of care you can receive from a 2020 Medicare Supplement plan.

    For example. I have a family member approaching her 65th birthday. She has awesome insurance through her employer Nordstrom. Her company pays half the monthly plan costs meaning she only pays $230 a month. This is extremely inexpensive considering a similar plan on the age based market would cost $800 or more.

    Here is the kicker. The plan is not as good as a Supplement Plan from Medicare. Currently, her deductible through work is $2500. A great Supplement plan like Plan N or Plan G has a deductible of $198. All in with Original Medicare and the Supplement Plan N here in San Diego, she's looking at $256.28 a month and a much better plan with almost no deductible. So for a few extra dollars a month, she can reduce her $2500 deductible to $198, have a more robust and encompassing plan, and visit any network of doctors and hospitals in San Diego.

    In short, Medicare will likely be the better option. You should evaluate both and select the better insurance plan.

  • 4. What are the major parts of Medicare?

    Original Medicare Parts A + B are the basic start to Medicare. To cover more of your medical expenses, you’ll want to pair your Original Medicare with a Supplement Plan or an Advantage Plan. Medicare Part D is to cover prescription drugs.

  • 5. Should I still switch if my awesome health insurance is better than what's available through Medicare?

    Every once in a while I will come across an employee who does have awesome health insurance coverage, even better than what's available through Medicare. This means they are paying less than $300 a month in premiums, they have a deductible less than $200, and they are able to see the doctors they want to see. This is rare but amazing.

    Our Medicare Office Team is the best at evaluating your current plan and whether or not it is better for you to switch or stay. If you are enrolled in a plan better than what is offered through Medicare, you will want to know if you are subject to any late enrollment penalties. If you do not enroll in Original Medicare at the age of 65, you may end up paying more for it in the future due to late enrollment fees. However, you can avoid all penalties if you are receiving your health insurance from your employer. Our team is great at helping you avoid those penalties so you can stay with your awesome insurance.

    In these cases I like to discuss the process of moving to Medicare WHEN the right time comes. Our team is able to make sure you do not incur any penalties by not enrolling in Medicare. We'd love to help you evaluate your plan options and navigate the enrollment process.

  • 6. Are my prescription drugs covered under Medicare?

    Prescription drugs are not covered by Original Medicare. You'll want to cover your prescription drug costs with a Medicare Advantage Plan or a Part D Prescription Drug Plan.

  • 7. Should I still switch to Medicare even if my family is covered by my insurance plan?

    Yes! The savings you receive by switching to medicare is significant. So significant that it is still worth the switch to Medicare even if your family is covered by your current plan. Pairing your entire family into a single health insurance plan offers a handful of benefits. You'll all share a "family deductible" which can help save some out of pocket costs during an unhealthy year. However, pairing your entire family into a single plan does not save you money on monthly premiums.

    The best thing to do is enroll yourself in a medicare plan and enroll your family members in their own plan. You'll save money each month with your new, less expensive, Medicare plan and your family will be able to continue coverage through their individual plan.

    One scenario that may be difficult to evaluate is when you are eligible for Medicare but your employer is covering the costs for both your family members premiums and your own premiums. Our HealthyMarks team is excellent at evaluating these two options and figuring out the best course of action for you. We can calculate how much money you would save by switching to Medicare and how much money are you sacrificing by giving up your employer's contribution towards your dependent's plans. If you employer contributes a lot, you'll likely want to stay with that employers plan cause they are spoiling you and your family. In a majority of cases, employers only offer a small amount of money to cover dependents plan costs. In fact most businesses do not cover dependents at all because they are not required to.

    It is a very easy process to enroll your family members on a great individual plan. Our health insurance team is able to help you move to Medicare and move your family to an individual plan.

    Give us a call today so we can share with you the best path forward so you can save hundreds of dollars each month by moving to a San Diego Medicare plan.

  • 8. Do Advantage plans cover prescription drugs?

    Yes. If you enroll in an Advantage plan you are bundling all of your medical services including prescription drugs.

  • 9. Should I stick with my group health insurance policy or should I switch to Medicare?

    Perhaps you are not enrolled in a plan through the individual exchange but instead you are enrolled with a plan through your company. Similar to individual plans, group health insurance policies for businesses with 100 employees or fewer are also age based. When you approach your 65th birthday your group health insurance policy plan will be very expensive.

    The major difference between an individual policy and one through your company is that your employer is required to contribute some money to cover your monthly costs. By law, your company is required to pay for 50% of your health insurance premiums each month. Even after calculating the costs, 50% of a plan through your employer is more expensive than 100% of a medicare plan.​

    It is also nice to keep in mind how much money you can help your company save when you switch to Medicare. Employers are excited to help employees move to Medicare because they appreciate not paying so much each month for your insurance.

    I personally sell group health insurance policies here in San Diego and I can confidently say that a plan through Medicare, with either a supplement plan or an advantage plan, is going to be better than what you are receiving from your business.​

    However, some companies are extremely generous with their health insurance offering and it can make it difficult to switch over to Medicare. For example, I work with a company in Carlsbad that pays 100% of the employees health insurance costs and 80% of the family's costs. This is an unbelievably generous offer. Even in this scenario, it was worth it to evaluate the newly 65 year old's Medicare options. Both the employer and employee agreed that moving to Medicare was best.

  • 10. Do Supplement plans cover prescription drugs?

    No. You will want to pair your Supplement plan with a Part D prescription drug plan.

  • 11. Should I stick with my current Individual Health Insurance policy or switch to Medicare?

    You can get individual health insurance plans from the California Health Exchange called Covered California. You can also get an individual plan if you contact the insurance carrier directly and sign up with them. However, these plans are very expensive and get more expensive as you get older. The plans monthly premiums are age based meaning the older you get the more expensive they are.

    For example, let's assume you want access to Scripps Doctors in North County. The best option on the individual market for a 64 year old is to select the Silver HMO Trio plan from Blue Shield. This plan premium is $931.84 per month! With this plan you have a $4000 deductible!

    Now let's compare that to Original Medicare with a Supplement plan N here in San Diego. For most people, Original Medicare Parts A + B PLUS a Supplement plan will be less than $300 a month in premium and you'll have a very low deductible. Clearly, you'll want to switch to medicare from your Individual plan.

    Although the individual health insurance market has some solid silver and gold plans that will help you in your time of need, there is no question in my mind that not a single plan on the individual health experience exchange through Covered California is close to the benefits that you will receive from a Medicare Plan.

  • 12. What’s the difference between Medicare and Medicaid?

    Medicare is a federal government-sponsored healthcare program for those 65 and over, and for younger people who are disabled. Medicaid is a healthcare program for low-income individuals who could not otherwise afford health insurance.

  • 13. Should I switch to Medicare or Should I stay with the insurance I currently have in San Diego?

    Medicare is an incredible health insurance offering that you should absolutely take advantage of.

    It is our recommendation that you switch to Medicare as soon as you turn 65 years old. As a United States citizen you have been contributing money towards your Medicare policy for your entire working life. Now is your chance to take advantage of this government-sponsored Medicare health insurance plan. The plan premiums, deductibles, and out of pocket costs are all going to be a much better deal for you the consumer when you switch to Medicare. There are almost no examples of a non-Medicare plan that is better than the San Diego Medicare offerings.

    Medicare is fantastic. It is much better than all of the other San Diego health insurance offering you have. So let's take a look at your current situation and why it is going to be better for you to switch to Medicare.

  • 14. Should I switch to Medicare if I have insurance elsewhere?

    Yes. By switching to Medicare you will likely save a lot of money and receive a better plan.

    Whether you are getting health insurance from your employer or even if your spouse is covered too, HealthyMarks would be happy to help you evaluate your options.

  • 15. What doctors will accept Medicare?

    With Original Medicare and a Supplement Plan, you'll have access to just about any doctor you want to visit.  With an Advantage Plan, you'll have a network of doctors that you are required to stay within.

  • 1. When am I eligible for Medicare?

    You can begin the medicare process on the 1st day of the month 3 months prior to your 65th birthday. Your application will be effective the 1st day on the month of your 65th birthday. Your initial enrollment period is 7 months long. This period includes your birthday month, the 3 months prior to your birthday month, and the 3 months after.

  • 2. What is IRMAA and why do some Medicare beneficiaries have to pay more?

    The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is an amount you may pay in addition to your Part B or Part D premium if your income is above a certain level. If you are a higher earner, you will likely pay more for your Medicare plans.


Video testimonial from Mark and Terri, our Medicare customers in San Diego

We Take the Confusion out of Medicare Insurance

We do not recommend attempting to understand Medicare on your own. Our services are completely FREE.

Instead, call us and let our professionalism show you how we can help you. Insurance carriers have concluded that working with a broker is beneficial for all parties! That is why they pay us commissions to help you enroll in your plan. Therefore, our services are free to you!

Our local Medicare team has built a reputation of completing thorough and excellent work for our clients. Because of this, our San Diego Medicare Office has been serving clients all throughout California and continue to grow.

2022 San Diego Medicare Overview

Watch this video for a great overview of everything you need to know before enrolling in a Medicare Plan here in San Diego, California for 2022. If you are approaching your 65th birthday in 2022, you’ll want to contact us to discuss as soon as possible.

Every year there is something different with regards to your Medicare options. In 2022, you’ll want to speak with a Medicare Expert like us here at HealthyMarks Medicare. Our team is eager to help you sign up for San Diego Medicare.

Should I Switch to Medicare or Should I stay with the insurance I currently have in San Diego?

Medicare is an incredible health insurance offering you should absolutely take advantage of. Our recommendation is to switch to Medicare as soon as you turn 65 years old.

As a United States citizen you have been contributing money towards your Medicare policy for your entire working life. Now is your chance to take advantage of this government-sponsored Medicare health insurance plan.

Medicare is fantastic. It is much better than all of the other San Diego health insurance offering you have. So let’s take a look at your current situation and why it is going to be better for you to switch to Medicare.

Contact us to get started or learn more on our website.

Understanding San Diego Medicare Plans & Providers

Now that you will be joining Medicare, you have a lot better insurance than what you had prior to this. Medicare as a health insurance is incredible because with the right plan, you are able to visit essentially any doctor you wish here in San Diego.


Read more about Medicare plans, providers, and hospitals you can visit by visiting the Medicare plans pages on our website.

We cover the networks who accept Medicare plans like Scripps and Sharp, as well detail which insurance carriers like UnitedHealthcare™ and Blue Shield offer Medicare services and which are the best to choose.

View Your San Diego Medicare Options

 There are a lot of insurance providers to choose from that offer Medicare Supplement and Advantage plans. HealthyMarks will find the best San Diego Medicare plan for you with access to your doctors and facilities. Learn more about each of the plans on our website and contact us when ready to get started in your enrollment process.

About Our Medicare Insurance Team

After years of studying, our HealthyMarks Medicare division has been incredibly successful. Both Keaton and Alexa are licensed professionals for all Medicare products and services. The two represent every insurance carrier in San Diego as well as the rest of the state. “Our wonderful clients have recommended our services to their friends and family throughout California. We now have clients all over the state.”

Keaton Marks

Owner | Lead Broker | License # 0L47187

Keaton Marks is the owner and CEO of the HealthyMarks Medicare team. Keaton Marks was born and raised in San Diego, is a beach volleyball fanatic, and loves his job offering Medicare Solutions.

Keaton believes one thing above all else:​

“Medicare is confusing… but it doesn’t have to be!”

Alexa Marks

Medicare Team Leader | License # 0L48300

Alexa Marks is your main point of contact at HealthyMarks Medicare and will likely be your best resource when any Medicare questions come up. Her expertise in the Medicare process makes her an unbelievable resource for our offices.

Alexa believes one thing above all else:

“If I explain it, you’ll know Medicare better than your peers!”

Alexa joined the HealthyMarks Medicare Offices after gaining industry knowledge and experience working for HUB International.

Medicare Office in San Diego

In-Person and Virtual Meetings Available

Our Medicare team is ready to support any person throughout San Diego County and California.

We have clients in downtown San Diego all the way to Carlsbad. Our team is widespread and ready to meet you at your office, virtually, or offer to have you join us at one of our Medicare offices. Reach out and let’s setup a meeting.

We’ve expanded and are located in South and North County. We have many clients south of La Jolla in San Diego and we are happy to help. View our full service area below.

Medicare Insurance Service Areas

Our Medicare Insurance Service Areas in San Diego and California

HealthyMarks Medicare has it’s main Medicare office located in Solana Beach near the Del Mar Race Track. Our satellite office and company headquarters is located in Cardiff by the Sea. These two Medicare offices service the entire North County San Diego region. We welcome you to visit our Medicare office or our team is more than welcome to come to your home and walk though the enrollment with you wherever you live in San Diego.

Our Medicare Offices Serve all of San Diego County

  • Carlsbad
  • Oceanside
  • Vista
  • San Marcos
  • Escondido
  • Rancho Santa Fe
  • Encinitas
  • Solana Beach
  • Del Mar
  • Carmel Valley
  • Torrey Pines
  • La Jolla


HealthyMarks Medicare Offices serve all of California

Our Medicare team has built a reputation of completing thorough and excellent work for our clients. Because of this, our San Diego Medicare Office has been serving clients all throughout California. I do not recommend attempting to understand Medicare on your own.

Instead, call us and let our professionalism show you how we can help you. Our team is well educated in Medicare offerings in Santa Cruz, Sacramento, and San Francisco.

Map To Our Local San Diego Medicare Office

Map To Our Medicare Office in Cardiff, CA