A health insurance agency exclusively for Medicare seniors

 Frequently Asked

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why work with calyx advantage?

Every year, thousands of people on Medicare beneficiaries feel frustrated after trying to read the Medicare handbook. Our insurance specialists will educate you on everything you need to know about Medicare (and there’s a lot!) by breaking it down into pieces that are easy to understand.

Calyx Advantage is an independent resource that can give you objective, unbiased guidance on your Medicare plan options. Each of our insurance specialists undergo hours of training and are required to pass licensing and carrier exams so they have deep knowledge and expertise on Medicare plans.

In addition, our services cost you nothing and you pay exactly the same rate for your insurance as if you had signed up directly with the insurance company.

What services do you offer?

Our team specializes in the Bay Area Medicare market and can:

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

    • Medicare Supplement plan (offerings plans A-N with multiple insurers)

    • Medicare Advantage plans

    • Part D plans (through multiple insurers)

  • Help assess your coverage needs

  • Review 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.

What 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 all competitive health plans in the Bay Area, so can provide you with objective and unbiased advice on what’s best for you.

Does you promote one type of Medicare plan over another?

Every senior 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.


We are compensated at a fixed rate by the insurance carriers. Therefore, we have no incentive to enroll you in 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 costs change every year. And so might your healthcare needs. Taking the time to compare your current coverage against new plans available each year helps us ensure 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?