Guide
Medicare Basics
What Original Medicare actually covers, in plain English.
Medicare Made Easy for Californians Turning 65
Turning 65 or reviewing your Medicare options? Garbo Insurance helps Californians navigate Medicare enrollment, Medicare Supplement plans, Medicare Advantage plans, and prescription drug coverage with personalized guidance and no-pressure support.
Independent Medicare Advisor California Licensed Personalized Guidance No-Cost Consultations
Serving Medicare beneficiaries throughout California, including Van Nuys, Sherman Oaks, Encino, North Hollywood, Burbank, Glendale, and the San Fernando Valley.
“No one should feel intimidated about finding the best options for their healthcare. My team will make sure whatever you choose is the right choice!”
Meet Andre
Independent Agency
We represent your interests, not an insurance company's bottom line.
Education-First Approach
You learn your options first, then decide — with zero sales pressure.
No Pressure Guidance
Conversations are unhurried and focused entirely on what fits you.
California Focused
Deep knowledge of California provider networks, regulations, and local plans.
Personalized Medicare Reviews
Every recommendation is tailored to your health needs and budget.
Why work with us
A boutique approach to Medicare planning.
Garbo Insurance was built on a single belief: Medicare decisions deserve the same thoughtful guidance you'd expect from a trusted financial advisor. We're independent, education-first, and committed to the long view.
Education-first approach
We start by explaining your options clearly — no jargon, no pressure, no sales scripts.
One-on-one consultations
Every conversation is private, unhurried, and entirely focused on your situation.
Independent recommendations
Because we're independent, we recommend what fits you, not what pays us most.
Simplified enrollment
We walk you through every form, deadline, and signature so nothing is missed.
Long-term relationships
We check in each year and remain available whenever life or health changes.
Confidence, restored
You leave each conversation feeling informed, prepared, and never alone.
The Medicare journey
A simple path to coverage.
Step 01
Turning 65 or preparing for retirement
We start with a friendly conversation about your timeline, your current coverage, and what matters most to you.
Step 02
Understanding Medicare Parts A & B
You'll learn how Original Medicare works, what it covers, and when to enroll to avoid penalties.
Step 03
Reviewing Medicare Supplement options
We compare Medigap plans across carriers so you understand cost, coverage, and flexibility side by side.
Step 04
Enrollment guidance
From paperwork to deadlines, we coordinate every step so your enrollment is smooth and stress-free.
Step 05
Ongoing support
After enrollment, we remain your point of contact — reviewing your plan annually and answering questions any time.
Medicare Supplement
Why so many retirees choose Medigap.
Medicare Supplement (Medigap) plans pair with Original Medicare to cover much of what Parts A and B leave behind — giving you provider freedom and predictable healthcare expenses in retirement.
Review your Medigap options01
Provider freedom
See any doctor or specialist nationwide that accepts Medicare — no referrals required.
02
Nationwide acceptance
Travel with confidence knowing your coverage works across all 50 states.
03
Predictable costs
Standardized benefits mean fewer surprise bills and clearer monthly budgeting.
04
PPO-style flexibility
No network restrictions on Medicare-participating providers — anywhere, any time.
Educational resources
Learn at your own pace.
Curated, easy-to-read primers to help you understand Medicare before any decision — no email required.
Checklist
Turning 65 Checklist
Everything to review in the six months before your 65th birthday.
Reference
Enrollment Deadlines
Key windows: IEP, GEP, OEP — and what each one means for you.
Comparison
Employer Coverage vs Medicare
When to keep employer plans, when to switch, and how to avoid penalties.
Explainer
Medicare Supplement Plans
How Medigap works, what it covers, and why retirees often choose it.
Trusted by retirees, future retirees & their families
Real experiences from clients across California. These stories reflect the dedication, transparency, and personal service that define our practice.
A calmer way to approach Medicare.
Andre walked us through Medicare with patience we hadn't found anywhere else. We felt informed, not sold to. We chose a Medigap plan that fits our travel lifestyle perfectly.
Margaret & David R.
Recently enrolled, age 65
"I had no idea where to start. Andre made it simple."
Linda K.
New to Medicare
"Honest, patient, and never pushy. Highly recommend."
Robert M.
Retired engineer
"He saved us hours of confusion and likely thousands."
Patricia & Tom S.
Leaving employer coverage
Schedule a complimentary consultation
Ready to navigate Medicare
with confidence?
Receive personalized guidance tailored to your healthcare and retirement goals — at no cost and with no obligation.
Book your free consultationPhone
(818) 749-2131
garbomedicare@gmail.com
Address
7843 Noble Ave, Van Nuys CA 91405
Office hours
Mon–Fri · 9am–6pm / Sat · 10am–3pm