Medicare Enrollment Help

Medicare Enrollment Help

Independent, licensed Medicare help for San Diego County residents, from a local agent who has done this since 2008.

Medicare enrollment help in San Diego County

Zulema Zamudio Medicare Insurance Agency is an independent, licensed Medicare agency based in Chula Vista. Since 2008 we have helped Medicare beneficiaries across San Diego County understand their options, enroll on time, and choose a plan that keeps their own doctors and pharmacies in network. You are never charged for our help — we are compensated by the insurance carriers, not by you.

When you can enroll in Medicare

Missing an enrollment window is the single most expensive mistake we see. These are the periods that matter:

• Initial Enrollment Period (IEP) — the seven months around your 65th birthday: the three months before, your birthday month, and the three months after.
• Annual Enrollment Period (AEP) — October 15 to December 7 every year. This is when you can switch Medicare Advantage or Part D plans for the following January 1.
• Medicare Advantage Open Enrollment — January 1 to March 31, for people already in a Medicare Advantage plan who want to change it or return to Original Medicare.
• General Enrollment Period — January 1 to March 31, for people who missed their Initial Enrollment Period.
• Special Enrollment Periods (SEPs) — triggered by events such as losing employer coverage, moving out of your plan’s service area, or qualifying for Medi-Cal or Extra Help.

The parts of Medicare, in plain language

• Part A covers inpatient hospital care, skilled nursing and hospice. Most people pay no premium for it.
• Part B covers doctor visits, outpatient care, labs and durable medical equipment, and carries a monthly premium.
• Part C (Medicare Advantage) bundles Parts A and B, usually with drug coverage and extras, through a private insurer.
• Part D is prescription drug coverage, sold either on its own or built into a Medicare Advantage plan.
• Medicare Supplement (Medigap) plans sit alongside Original Medicare and pay the deductibles and coinsurance it leaves behind.

What Medicare costs in 2026

For 2026, the Centers for Medicare & Medicaid Services set the standard Part B premium at $202.90 per month, with an annual Part B deductible of $283. The Part A inpatient hospital deductible is $1,736 per benefit period. Higher-income beneficiaries pay an income-related adjustment (IRMAA) on top of the standard Part B premium, starting above $109,000 in income for individual filers and $218,000 for joint filers. If your income has dropped since the tax year Social Security used, that adjustment can be appealed — we can show you how.

How we help

• Check whether your doctors, specialists and hospitals are in a plan’s network before you enroll.
• Run your prescription list against each plan’s formulary so there are no surprises at the pharmacy.
• Compare Medicare Advantage, Medicare Supplement and standalone Part D options side by side.
• Complete and submit the enrollment paperwork with you, and follow up until your card arrives.
• Review your plan every fall during AEP, because plans change even when your health does not.
• Stay with you afterward — billing questions, denied claims, a new prescription, a move.

Serving all of San Diego County

Our office is on Third Avenue in downtown Chula Vista, and we work with beneficiaries throughout South Bay and greater San Diego, including National City, Bonita, Eastlake, Otay Ranch, San Ysidro, Imperial Beach, Spring Valley, La Mesa, El Cajon and the city of San Diego. Home and office appointments are both available.

Hablamos español

Zulema es una agente de Medicare con licencia en Chula Vista y atiende a sus clientes en español. Le explicamos sus opciones de Medicare, verificamos que sus médicos y medicamentos estén cubiertos, y completamos su inscripción paso a paso, sin ningún costo para usted. Llámenos al (619) 361-3591.

Talk to a licensed agent in Chula Vista

Call (619) 361-3591, email info@zulemamedicare.com, or stop by our office at 31 Third Ave, Chula Vista, CA 91910. We are open Monday through Friday, 9:00am to 5:00pm.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (HICAP in California, 1-800-434-0222) to get information on all of your options.