New to Medicare? You're not alone.
People turning 65 often ask:
As your local San Diego Medicare agent, I’ll help you navigate the “Medicare Maze” with confidence. I’m here to answer your questions, explain your options, and provide personalized guidance every step of the way. Because no two situations are alike, I’ll take the time to understand your healthcare needs, lifestyle, and budget so we can find the Medicare coverage that’s the right fit for you.
When do I enroll?
Do I need Medicare if I'm still working?
What plan is right for me?
What will Medicare cost me?
Don't miss your enrollment window!
Did you know that Medicare enrollment isn't a year-round process for everyone? If you're new to Medicare, you'll have a specific enrollment window to choose your coverage. If you're already enrolled, there are several opportunities throughout the year to review your plan and make changes if your needs have changed.
You may also qualify for a Special Enrollment Period (SEP), which allows you to enroll in or modify your coverage outside of the standard enrollment periods. Knowing your enrollment options can help you avoid penalties and ensure you have the right coverage at the right time.
Skipping your enrollment window can lead to unnecessary penalties or gaps in coverage. I’ll help you stay on track so you can secure the right Medicare coverage as soon as you’re eligible.
FINAL CHANCE
ENROLL
START
3 MONTHS AFTER BIRTHDAY
BIRTHDAY MONTH
3 MONTHS PRIOR TO BIRTHDAY
I Make Medicare as Easy as 1, 2, 3... 4!
Medicare is notoriously confusing—but you don’t have to figure it out alone. I’ll do the heavy lifting for you by comparing plans in your area and narrowing it down to the best options for your unique needs. That way, you can enroll feeling informed, confident, and fully covered.
Did you know many Medicare plans include your existing doctors, specialists, and medical groups? I’ll take the time to verify your current providers and identify plans in San Diego County that align with your care preferences. Because I’m contracted with a wide range of insurance carriers, I can help you find options that keep your trusted doctors in-network whenever possible—so your care stays consistent and stress-free.
Different insurance carriers cover different medications, and even small differences in formularies can significantly impact your out-of-pocket costs. That’s why it’s so important to have your prescriptions carefully reviewed across multiple plans. I’ll compare your medications against each plan’s formulary to make sure they’re covered and help you avoid unexpected costs—because without that step, you could end up paying far more than necessary for the medications you rely on.
Not all Medicare plans are created equal, and the right one depends on your specific needs. I'll compare your options based on your doctors, prescriptions, budget, and lifestyle—looking beyond just the monthly premium to evaluate networks, drug coverage, and overall costs. This helps ensure you’re not only covered, but in a plan that truly fits your life and avoids unnecessary expenses.
Medicare isn’t a one-and-done decision—your needs, plans, and coverage can all change over time. I guide you not just through the initial enrollment, but beyond, making sure everything is set up correctly and stays aligned with your situation. Whether your doctors change, your medications shift, or new plan options become available, I’m here to review your coverage and help you adjust as needed. Having ongoing support means you’re never left navigating those changes on your own.
Hi, I'm Mallory!
Meet Your San Diego Medicare Agent
I come from a family of Medicare agents with over 20 years of experience and a portfolio of thousands of clients nationwide—so you could say Medicare is in my blood.
I take a comprehensive, hands-on approach to finding the right plan for you. From understanding your lifestyle and healthcare needs, to comparing coverage options, to providing ongoing support and advocacy, I’m with you every step of the way. Together, we’ll navigate the often overwhelming world of Medicare so you feel confident and informed when it’s time to enroll.
Choosing a Medicare plan is an important milestone, and I’d be honored to advocate for you, your health, and your needs—now and in the years ahead.
Insurance Carriers
Contracting with multiple insurance carriers allows me to compare a wide range of plans instead of steering you toward just one company’s options. My recommendations are based on what truly fits your doctors, medications, and budget—not what I’m limited to offering—so you receive objective, well-rounded guidance.
What my clients are saying
I highly recommend Mallory for anyone looking for a reliable and knowledgeable Medicare insurance broker. As a newcomer to the world of Medicare, I was initially overwhelmed by the choices and complexities, but Mallory made the entire process easy to understand. She took the time to explain all the available options... and helped me select the plan that best suited my needs and budget. Her professionalism, responsiveness, and clear communication gave me confidence in my decision. If you're looking for expert guidance and a stress-free experience, Mallory is a great choice!
Mallory was amazing! I couldn't have done the process without her, she went through every step so I would understand answered every question and if she didn't know she found it!
We will be back when my husband turns 65.
Thanks for being a blessing.
- Diane P.
Mallory was incredibly knowledgeable and patient while helping me find a new Medicare plan after my financial situation and medication needs changed. She took the time to explain my options clearly, answered all of my questions, and made the process much less overwhelming. I truly appreciated her expertise, professionalism, and willingness to help me find a plan that better fit my current needs. Highly recommended!
- Karen B.
- Terry A.
What my clients are saying
"I highly recommend Mallory for your Medicare enrollment needs she took the time to explain the different options and had me signed up the next day. 😃"
"Mallory was a blessing! I didn't know where to start, how to enroll in Medicare, what plan to get. There was so much information online and in the mail I was overwhelmed. Mallory took everything off of my shoulders. She walked me through the process step by step, found all of my Drs and priced all of my medications, down to which pharmacy had the best prices for me. I couldn't be more grateful for her services, not to mention she is professional, caring and an extremely lovely person to work with. I highly recommend!
Diana :)"
- Diana k.
"I highly recommend Mallory for assistance with Medicare enrollment. Her expertise made the process easy to understand, despite the complexity of Medicare sign-up. Mallory explained concepts in clear terms, answered all our questions, and provided additional information for clarity. If you need help enrolling in Medicare, Mallory will find the most suitable and straightforward method based on your specific situation."
- Lisa D.
- George R.
What my clients are saying
"I highly recommend Mallory for your Medicare enrollment needs she took the time to explain the different options and had me signed up the next day. 😃"
"Mallory was a blessing! I didn't know where to start, how to enroll in Medicare, what plan to get. There was so much information online and in the mail I was overwhelmed. Mallory took everything off of my shoulders. She walked me through the process step by step, found all of my Drs and priced all of my medications, down to which pharmacy had the best prices for me. I couldn't be more grateful for her services, not to mention she is professional, caring and an extremely lovely person to work with. I highly recommend!
Diana :)"
- Diana k.
"I highly recommend Mallory for assistance with Medicare enrollment. Her expertise made the process easy to understand, despite the complexity of Medicare sign-up. Mallory explained concepts in clear terms, answered all our questions, and provided additional information for clarity. If you need help enrolling in Medicare, Mallory will find the most suitable and straightforward method based on your specific situation."
- Lisa D.
- George R.
What my clients are saying
"I highly recommend Mallory for your Medicare enrollment needs she took the time to explain the different options and had me signed up the next day. 😃"
"Mallory was a blessing! I didn't know where to start, how to enroll in Medicare, what plan to get. There was so much information online and in the mail I was overwhelmed. Mallory took everything off of my shoulders. She walked me through the process step by step, found all of my Drs and priced all of my medications, down to which pharmacy had the best prices for me. I couldn't be more grateful for her services, not to mention she is professional, caring and an extremely lovely person to work with. I highly recommend!
Diana :)"
- Diana k.
"I highly recommend Mallory for assistance with Medicare enrollment. Her expertise made the process easy to understand, despite the complexity of Medicare sign-up. Mallory explained concepts in clear terms, answered all our questions, and provided additional information for clarity. If you need help enrolling in Medicare, Mallory will find the most suitable and straightforward method based on your specific situation."
- Lisa D.
- George R.
Ideally, you should start thinking about Medicare before you turn 65. Your 7-month Initial Enrollment Period (IEP) begins three months before your birthday month and ends three months after. If you’re already 65, you can review or change your coverage during the Annual Enrollment Period (AEP), October 15–December 7. You may also qualify for a Special Enrollment Period based on certain life events. Whatever your situation, I’ll help you understand your enrollment timeline and the steps you need to take.
Absolutely! We can review your current Medicare coverage and make sure it still fits your needs. Your health, medications, doctors, and budget can change over time, so it’s important to make sure your coverage keeps up with you.
Whether you have a Medicare Advantage plan, Medicare Supplement, or Part D prescription drug plan, I can help you understand your options and determine whether your current coverage is still the right fit for your lifestyle, health needs, and budget.
Nope! Speaking with me is 100% free, and there’s never any pressure or obligation to enroll in a plan.
I take the time to get to know you, understand your healthcare needs, medications, doctors, and budget, and help you determine what coverage makes the most sense for you. Sometimes that means making a change, and sometimes it means staying right where you are. My goal is to help you make an informed decision—not to sell you a plan you don’t need.
Absolutely. Medicare can feel overwhelming, especially when comparing plans, doctors, prescriptions, and costs. I’m happy to work with you and your parent together to help make the process easier and ensure they understand their options.
Yes, I work with most major insruance carriers in San Diego county. As an independent Medicare insurance agent, I'm not beholden to one insurance company, therefore I can compare plans from multiple carriers. I’ll help you look at your available options and find coverage that fits your needs—not simply recommend one company.
Disclaimer: Medicare by Mallory is not affiliated with the US government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
