Retirement in the desert runs on a calendar, and Medicare does too. Here is how a typical year looks for the clients our team works with in Palm Springs and the rest of the Coachella Valley.
October Through December
Snowbirds arrive, and so does Medicare’s annual open enrollment. It’s when Medicare Advantage and Part D plans can change for the coming year, and when we sit down with you to check whether your doctors and prescriptions still fit. Whether you’re settling back into the Movie Colony or a condo in Rancho Mirage, this is the review that matters most.
Your Birthday Month
California gives Medigap holders a yearly window around their birthday to switch to the same plan with a different carrier, with no health questions. We shop your plan ahead of it and tell you if someone in the market is charging less for identical coverage.
Summer Away
A lot of Palm Springs residents leave when the heat arrives. If July finds you back in Oregon or Minnesota, an Advantage plan tied to desert doctors can be a poor fit, while Original Medicare with a Medigap plan follows you to any provider who accepts Medicare. Full-time residents in Deepwell or Old Las Palmas weigh that differently, and we’ll show you both sides.
Any Time
A denied prescription, a confusing bill, a spouse who still needs a plan until Medicare. Clients in Racquet Club Estates, Cathedral City, Palm Desert and La Quinta call the same team for all of it, and Uncle Sheldon Insurance never charges extra as your broker. If you’re brand new to this, our post on the first Medicare questions people ask here is a friendly place to begin.