A health insurance agency exclusively for Medicare seniors

Frequently Asked
Questions

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What services do you offer?

Our agents specialize in Medicare health plans in the Bay Area and can:

  • Educate you on the options available in your area, including:

    • Medicare Supplement plans

    • Medicare Advantage plans

    • Part D plans 

  • Help assess your coverage needs

  • Compare the prices of plans in your area

  • Guide you through the decision-making process to help you make an informed decision

  • Enroll you in your selected health plan

  • Support you throughout your coverage and each year during open enrollment to see how annual plan changes affect your individual needs

Whether you’re enrolling for the first time or reconsidering your current Medicare plan, Calyx Advantage offers personal assistance to help you find the right plan based on your healthcare needs and budget.


Which insurance carriers do you work with?

We are an independent agency—meaning we’re not employed by or affiliated with any particular insurance company. We work with nearly all competitive health plans in the Bay Area, so can provide you with objective and unbiased advice on what’s best for you. 


Do You promote one type of Medicare plan over another?

Every person on Medicare has different needs. We embrace our role to understand those needs and match them with the right plan. While one person may find a Medicare Advantage to most closely meet their needs, a different person may find a Medigap and Part D plan to be better for them.


HOW IS CALYX ADVANTAGE COMPENSATED?

We are compensated at a fixed rate by the insurance carriers. We have no incentive to sell one plan over another—instead, we can focus on educating you on the pros and cons of each plan so that you can find the best coverage at the lowest cost available. 


Is it necessary to review my Medicare plan every year?

Medicare plan prices and availability change every year. And so might your healthcare needs. While it’s not required that you review all your options every year, we strongly recommend that you do so to make sure you’re getting the coverage that’s right for you.


can you assist me if my circumstances change?

If you experience certain lifestyle changes, it’s important to re-evaluate your Medicare coverage. We can help you understand what your options are if you experience any of the following:

  • Moving from one county to another

  • Traveling more frequently

  • Moving into or out of a long-term-care facility

  • Changes in financial situation (i.e. becoming eligible for Medi-Cal or low-income subsidy)

  • And much more!

 

Have another question or ready to schedule a free consultation?