WE SPECIALIZE IN MEDICARE COVERAGE SOLUTIONS
Serving clients in California, Oregon, Nevada and Arizona, subject to licensing and plan availability.
Medicare is a federal health insurance program created in 1965 under President Lyndon B. Johnson as part of the Social Security Act. It was designed to provide affordable healthcare coverage for Americans age 65 and older, many of whom previously had limited or no access to health insurance.
Over time, Medicare has expanded to also cover certain younger individuals with disabilities and those with End-Stage Renal Disease (ESRD) or ALS.
Today, Medicare plays a vital role in protecting the health and financial well-being of millions of Americans.
Medicare provides essential healthcare coverage that helps seniors and eligible individuals manage medical costs, access necessary care, and maintain a higher quality of life. With various plan options available, beneficiaries can choose coverage that best fits their healthcare needs and budget.
Out-of-pocket costs under Medicare Parts A and B can be substantial. To help protect your financial well-being, it is important to consider additional coverage—either a Medicare Supplement (Medigap) plan paired with a Prescription Drug Plan (Part D), or a Medicare Advantage plan, which may include prescription drug coverage.
Please contact us for more detailed information and personalized assistance.
SERVING CLIENTS IN CALIFORNIA, OREGON, NEVADA AND ARIZONA
At Gaddis and Mast Insurance Services, we love what we do. We are committed to simplifying the often confusing maze of health insurance. We strive to make the process stress-free while ensuring that you feel confident about your choices. As licensed and experienced agents, we'll help you understand your options and choose the plan that's right for your healthcare needs and budget.
We work hard to earn your business, not just for the quick sale, but for the years to come.
For direct Covered California assistance, call Lisa at (707) 228-8357.
As independent agents we each strive to ensure you get the guidance you need.
Larry began his insurance career in 1968 and brings more than five decades of experience in insurance, business, sales and management. He returned to insurance in 2009 as an independent broker, focusing on Medicare and retirement planning and serving as a trusted resource beyond the initial plan choice.
(707) 481-5314larrydgaddis@yahoo.comCA License #0G66330
Lisa is a Licensed Insurance Agent who helps individuals and families understand Covered California, Medicare enrollment and related coverage choices. She brings a compassionate, patient-focused approach to each conversation.
(707) 228-8357lisagracemast@yahoo.comCA License #0I43106
It may be worth reviewing available Medicare Supplement options. Some states provide birthday-rule or other guaranteed-issue protections, but eligibility, timing and permitted changes vary by state. Depending on your needs and applicable enrollment rules, it may also be appropriate to review Medicare Advantage options.
Learn about Medicare Supplement optionsMedicare Open Enrollment runs October 15 through December 7 each year. During this period, people can make certain changes to Medicare Advantage and Medicare drug coverage for the following year. Medicare Advantage plans are offered by Medicare-approved private companies; costs, benefits, networks and rules vary by plan and area.
Review enrollment guidanceWith Original Medicare, you can generally see any Medicare-enrolled provider that accepts Medicare patients, and in most cases you do not need a referral for a specialist. A Medicare Supplement policy may help with certain out-of-pocket costs.
Learn about Original MedicareOriginal Medicare does not cover most routine dental care. It may cover limited dental services when they are required due to certain medical conditions. Separate dental coverage may be available; waiting periods and major-work benefits depend on the plan.
Explore dental and vision coverageReady to find a Medicare plan that works for you?
