Medicare & Healthcare Insurance Services
Tailored Solutions for San Diego Seniors
Welcome to your guide for navigating Medicare and healthcare coverage. At Murfey Insurance, we specialize in providing clear, personalized assistance to help you understand your options and find the right plan for your needs. Explore our services below to learn how we can help you secure your health and peace of mind.
Understanding Your Medicare Options in San Diego
Navigating Medicare can be complex. As an independent agent in San Diego, I provide clear, unbiased guidance to help you find the right coverage for your needs and budget. Here’s a simple breakdown of the main plan types.
Original Medicare (Parts A & B)
The federal health insurance program for people 65 and older. Part A covers hospital stays, while Part B covers doctor visits and outpatient services.
Consider: You may want to add a Part D plan for prescriptions and a Medigap policy to help with out-of-pocket costs.
Medicare Advantage (Part C) Plans
An all-in-one alternative offered by private companies approved by Medicare. These plans bundle Parts A, B, and usually D, and often include extra benefits like vision or dental.
Local Note: Many San Diego providers accept plans from major carriers like Sharp Health Plan and Kaiser Permanente.
Part D Prescription Drug Coverage
Adds prescription drug coverage to Original Medicare. Plans vary in cost and which medications are covered (formulary). It’s important to review your specific medications each year.
Medigap Supplemental Insurance
Also called Medicare Supplement Insurance. These policies, sold by private companies, help pay for out-of-pocket costs not covered by Original Medicare, such as copayments and deductibles.
Get a personalized comparison of plans available in San Diego.
As an independent agent, I work for you—not the insurance companies—to find the best fit.
Local Expertise
Personalized guidance for San Diego's unique healthcare landscape.
Turning 65? Your Medicare Journey Starts Here
Turning 65 is a major milestone, and navigating Medicare can feel overwhelming. At Murfey Insurance, we provide clear guidance and personalized support to help you make confident decisions about your healthcare coverage during this important transition.
Understanding Your Initial Enrollment Period
Your Initial Enrollment Period (IEP) is a 7-month window that begins 3 months before the month you turn 65, includes your birthday month, and extends 3 months after. This is your first opportunity to enroll in Medicare Parts A & B without penalty. Missing this window can lead to lifelong late enrollment penalties.
Plan Options for New Medicare Beneficiaries
As an independent agent, I can help you compare all available options in San Diego:
- Original Medicare (Parts A & B) with a separate Part D prescription plan
- Medicare Advantage (Part C) plans that bundle hospital, medical, and often drug coverage
- Medigap (Supplemental) policies to cover costs Original Medicare doesn't
Personalized Counseling & Assistance
I offer one-on-one consultations to review your specific healthcare needs, budget, and preferences. Together, we'll create a personalized plan that provides the coverage you need without paying for what you don't. My service continues after enrollment—I'm here to help with questions and annual plan reviews.
Don't navigate Medicare alone. Get expert guidance tailored to your situation.
Comprehensive Healthcare Solutions
While Medicare is our specialty, we provide a full spectrum of insurance options to meet your evolving healthcare needs.
Individual Healthcare Plans
Personalized coverage for those under 65 or not yet eligible for Medicare. We help you find plans that balance cost and comprehensive care.
- ACA-compliant marketplace plans
- Short-term medical coverage
- Dental and vision insurance
Senior-Specific Insurance
Solutions designed for the unique needs of older adults, complementing your Medicare coverage for complete protection.
- Final expense and burial insurance
- Hospital indemnity plans
- Long-term care considerations
Customized Coverage Assessments
A holistic review of your current insurance portfolio to identify gaps and ensure all your healthcare needs are properly addressed.
- Family coverage coordination
- Life changes and insurance updates
- Annual policy review service
Your healthcare journey is unique. Let's build a coverage strategy that grows with you.