Instant. Simple. Smart.
Specializing in Medicare Solutions
Serving Temecula and surrounding communities with clarity and care.
Clear choices. Side-by-side.
We’ll check your doctors and medications, then compare Advantage vs. Medigap and Part D — including networks, out-of-pocket limits, and estimated annual costs.
Right-Time Enrollment
IEP, SEP, or GEP — avoid penalties and gaps with a clear timeline.
Advantage (Part C)
All-in-one coverage; weigh networks, referrals, extras, and OOP limits.
Medigap (Supplements)
Lower surprise costs with flexible access. Compare Plan G and underwriting.
Part D (Prescriptions)
Run meds against formularies & preferred pharmacies for true annual cost.
Doctor & Clinic Match
Verify providers and hospitals before you enroll — no guesswork.
Annual AEP Review
Plans change each year; we keep you aligned during AEP.
Advantage (Part C)
- Bundled A, B, often D in one plan
- Networks & referrals may apply
- Annual out-of-pocket maximum
- Extras may include dental/vision/hearing
Tip: Great when providers are in-network and you value bundled benefits.
Medigap (Supplements)
- Pairs with Original Medicare (A & B)
- Broader access; no HMO network rules
- Predictable costs; plan pays many gaps
- Part D chosen separately
Tip: Strong for frequent travelers or when provider flexibility matters.
Disclaimer: Educational information only — not legal, tax, or plan recommendations. Benefits vary by carrier and location.
Medicare
Understand Parts A & B, eligibility, and how coverage works.
Supplement Plans
Fill Original Medicare gaps with standardized Medigap coverage.
Part D Prescription Plans
Compare drug formularies, pharmacy networks, and monthly costs.
Dental Insurance
Affordable options for cleanings, major work, and everything between.
Have any Question? Ask us anything, we’d love to answer!
If you feel like you have been spinning your wheels wondering how to make the best decision when it comes to your Medicare plan, you are in the right place. The good news is, you don’t have to do this alone. We are in the business of helping people understand Medicare, in simple, plain terms that everyone can understand. We believe it’s important that you first understand Medicare itself. You can’t understand your Medicare options until you first understand basic Medicare benefits. Fortunately, we’ve mastered how to make it simple.
What are you looking for
Jump right to the most common actions—no hunting around.
Schedule an Appointment
Pick a time that works for you.Download Medicare & You Guide
Official handbook to understand your options.Read Medicare Articles
Simple, plain-English explainers and tips.
What Clients Say
Real experiences working with Pacific Empire Medicare.
Michael J.
I was so confused with this whole process I almost wanted to give up. I was referred to Daniel by a friend and the way he explained how Medicare works and broke down my plan options, it came together and made sense to me. Thanks to his effort and patience, I have the plan that is working for me.
Maria M.
Daniel explained to me about my guarantee issue period. I spoke with two other agents and no one went over this. Thank goodness I never went with that first plan choice because I wouldn’t have this Medicare supplement coverage right now. I am very grateful.
TAKING THE MYSTERY OUT OF MEDICARE
MAXIMIZING YOUR SOCIAL SECURITY BENEFITS
Everyone likes options. Everyone needs options. But sometimes the options are confusing. And a mistake can make a big difference in retirement income or healthcare. For example:
- How to get the most out of Medicare.
- How to navigate Social Security.
- How to know what insurances you need—and even if you need them.
Let us help you navigate these complex options with a calm, experienced, personally tailored approach that makes it all quite painless and reassuringly simple.
