Medicare help in Sacramento, explained by a real person
I’m an independent Medicare agent serving Sacramento, Elk Grove, Folsom, and the surrounding counties. I compare plans from multiple carriers, check your doctors and prescriptions, and stay your point of contact after you enroll — at no cost to you.
Three steps, no pressure, no fee
I’m an independent agent, so I compare plans from multiple carriers and I’m paid by the carrier you choose — your premium is the same either way.
1. A 15‑minute call
Tell me about your doctors, your prescriptions, and how you use your coverage. Phone, video, or in person around Sacramento — your choice.
2. A side‑by‑side comparison
I check that your doctors are in‑network and your medications are covered, then show you the two or three plans that actually fit — with the costs in plain numbers.
3. I stay your person
Enrollment is the beginning. When a bill looks wrong, a plan changes, or you move, you call me — not a 1‑800 number.
The details that change which plan is right in Sacramento
Medicare Advantage networks and Part D formularies are local. Two neighbors on the same street can need different plans because of where their doctors practice. Before recommending anything, I check the plan against the hospital systems people here actually use:
- UC Davis Health
- Sutter Health (Sutter Medical Center, Sacramento and network clinics)
- Dignity Health (Mercy General, Mercy San Juan, Methodist Hospital)
- Kaiser Permanente (Sacramento, South Sacramento, Roseville)
If you already have a doctor you trust, the first thing we do is make sure you keep them.
Resources worth knowing
HICAP — California’s free Medicare counseling program. The Northern California office covers Sacramento, San Joaquin, Yolo, and Placer counties. 1‑800‑434‑0222
Medicare — for claims, cards, and general questions. 1‑800‑MEDICARE (1‑800‑633‑4227)
Social Security — to sign up for Parts A and B. 1‑800‑772‑1213 or ssa.gov/medicare
I’m not affiliated with any of these agencies. I list them because a good agent should be one of several places you can turn.
The three windows that matter
Your Initial Enrollment Period runs 7 months: the 3 months before your birthday month, that month, and 3 after. Still working with employer coverage? You may be able to delay Part B — let’s check before you decide.
Annual Enrollment. The one time each year everyone can change Medicare Advantage or Part D plans for January. Plans change every year; a review is worth 15 minutes even if you’re happy.
California’s birthday rule lets people with a Medicare Supplement switch to an equal or lesser plan each year without health questions. Most people don’t know it exists.
Medicare in Sacramento, answered
Do you work with people in Sacramento, or just Lodi?
Both. Sacramento County is a core part of the area I serve, along with Yolo and Placer. Most Sacramento reviews happen by phone or video; I also meet in person.
Which plans include UC Davis or Sutter doctors?
Networks are set per plan year, so I verify them for you rather than guessing from last year. Give me your doctor’s name and I’ll tell you which plans include them for the coming year.
Is Covered California the same as Medicare?
No. Covered California is the marketplace for people under 65 or without Medicare. When you become eligible for Medicare, your Covered California plan needs to end and your Medicare coverage needs to start on the right date — I help people make that switch cleanly.
What does it cost to work with you?
Nothing. I’m paid by the insurance carrier when you enroll, and your premium is the same whether you use an agent or sign up directly.
Let’s find the plan that fits you
Fifteen minutes by phone or video, or in person anywhere around Sacramento. No fee, no obligation, and no plan I don’t believe in.
Katie Davis is a licensed independent insurance agent in California. This page is general information, not personalized advice. Plan availability and benefits vary by county and change annually. Not connected with or endorsed by the U.S. government or the federal Medicare program.
Katie Davis is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation for Medicare insurance. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your local State Health Insurance Assistance Program (SHIP) to get information about all of your Medicare options. By submitting your information, you agree that a licensed insurance agent may contact you regarding Medicare insurance plans and coverage options. Your consent is not a condition of enrollment.