Turning 65 Guide8 min read
Turning 65 in California: Your Complete Medicare Roadmap
Everything California retirees need to do in the six months before turning 65 — enrollment windows, Part B decisions, and avoiding lifetime penalties.
Medicare Resource Center
Making Medicare easy for California retirees.
Simple Medicare education, enrollment guidance, and local support from Garbo Insurance — serving Van Nuys, the San Fernando Valley, and all of California.
California-licensed agent
Independent broker
No-cost guidance
Local Medicare Help
Serving Van Nuys, CA (91405) & the San Fernando Valley
Van Nuys, Sherman Oaks, Encino, North Hollywood, Burbank, Glendale, and surrounding communities.
View all service areasLocal Medicare help
Medicare help in Van Nuys, CA (91405).
Garbo Insurance is a locally based Medicare agent and broker serving Van Nuys and the surrounding San Fernando Valley. We help neighbors in ZIP 91405 understand how Original Medicare, Medicare Supplement (Medigap), Medicare Advantage, and Part D prescription drug plans actually work — and which combination fits their doctors, prescriptions, and budget.
Whether you're turning 65, leaving employer coverage, moving to California, or simply ready for an annual plan review, we provide clear answers about enrollment periods, monthly premiums, deductibles, and out-of-pocket costs. Every consultation is no-cost, no-obligation, and centered on your situation.
We also serve Medicare beneficiaries throughout California — from Sherman Oaks and Encino to Burbank, Glendale, Porter Ranch, Santa Clarita, Santa Monica, Beverly Hills, and Culver City — both in person across the Valley and by phone or video anywhere in the state.
Van Nuys office area Serving ZIP 91405 All of California
Service area
Local Medicare guidance across Los Angeles County & the San Fernando Valley.
Van Nuys
91405
Sherman Oaks
91403
Encino
91436
North Hollywood
91601
Burbank
91502
Glendale
91204
Porter Ranch
91326
Santa Clarita
91350
Valencia
91355
Santa Monica
90401
Beverly Hills
90210
Culver City
90232
San Fernando Valley
Region
Regions we serve
Medicare guidance across Southern California.
Looking for a trusted Medicare Agent in Van Nuys or local Medicare Help in 91405? Garbo Insurance works with Medicare beneficiaries across Los Angeles County, the San Fernando Valley, West Los Angeles, and the Santa Clarita Valley — with virtual consultations available statewide.
As an independent Medicare Broker in the San Fernando Valley and a Medicare Advisor in Los Angeles, we make Medicare enrollment in California straightforward — comparing Medicare Supplement, Medicare Advantage, and Part D plans from multiple carriers so you can choose with confidence.
- Los Angeles County
- San Fernando Valley
- West Los Angeles
- Santa Clarita Valley
- Statewide — by phone & video
Free Medicare consultation
No-cost Medicare guidance, on your schedule.
We'll review your situation, explain your options in plain language, and help you pick coverage that fits your doctors, prescriptions, and budget — with zero pressure and no fees.
Phone
(818) 749-2131Hours
Mon–Fri · 9am–6pm / Sat · 10am–3pm
Why Garbo Insurance
Independent. Local. Focused on you.
Garbo Insurance is an independent Medicare agency helping clients compare Medicare Supplement, Medicare Advantage, and Prescription Drug Plans from multiple top-rated carriers. No call-center scripts, no pressure — just clear guidance from a licensed local advisor who knows California.
No-cost consultations
Every Medicare review is free with zero obligation.
California licensed
Fully licensed and compliant with state and federal regulations.
Independent broker
We represent you — not a single insurance carrier.
Personalized guidance
Plans matched to your doctors, prescriptions, and budget.
Annual plan reviews
We check your coverage every AEP so it keeps fitting.
Local San Fernando Valley
Face-to-face Medicare help in Van Nuys & surrounding ZIPs.
Free Medicare consultation
Speak with a local Medicare advisor.
Get clear, no-pressure answers about Medicare from a California-licensed agent.
Medicare FAQ
Quick answers, no jargon.
The questions we hear most from Medicare beneficiaries across the San Fernando Valley and California.
Real answers from real people — no call centers, no pressure.
Do I need an appointment to get Medicare help in Van Nuys?
No appointment is required to start. Call (818) 749-2131 or request a consultation online and we'll schedule a no-cost Medicare review at a time that works for you — in person across the San Fernando Valley, or by phone or video anywhere in California.
Is there a fee to work with a Medicare broker?
No. Garbo Insurance is an independent Medicare broker and our consultations are always free. Carriers compensate brokers directly, so there's no added cost to you for personalized guidance or annual plan reviews.
Which Medicare plans do you compare?
We compare Medicare Supplement (Medigap), Medicare Advantage, and Part D Prescription Drug Plans from multiple top-rated carriers licensed in California — so you can see real, side-by-side options for your doctors, prescriptions, and budget.
Do you serve clients outside the San Fernando Valley?
Yes. While we're locally based in Van Nuys (91405), we serve Medicare beneficiaries throughout Los Angeles County, the San Fernando Valley, West LA, Santa Clarita Valley, and the rest of California by phone and virtual consultation.
Resource library
Medicare topics, organized.
Browse by category to learn at your own pace. New guides are added regularly to help California beneficiaries make confident Medicare decisions.
Medicare Supplement10 min read
Medicare Supplement Plans in California: A Plain-English Guide
How Medigap plans work in California, why the Birthday Rule matters, and how to compare Plan G, Plan N, and high-deductible options.
Medicare Advantage7 min read
Medicare Advantage Plans Available in Van Nuys & the San Fernando Valley
A look at how Medicare Advantage networks operate locally in 91405 and surrounding ZIPs — provider access, hospital systems, and extra benefits.
Enrollment Periods6 min read
Medicare Enrollment Periods Explained: IEP, GEP, SEP & AEP
When you can enroll, when you can switch, and the deadlines Californians most often miss when transitioning from employer coverage.
Costs & Premiums9 min read
Medicare Costs in 2026: Premiums, Deductibles, and IRMAA
A breakdown of Part A and Part B premiums, the annual deductible, and what higher-income beneficiaries should know about IRMAA surcharges.
Employer Coverage8 min read
Medicare and Employer Coverage: When to Enroll, When to Wait
If you're working past 65 with group health coverage, here's how to coordinate Medicare without losing benefits or triggering penalties.
Local Medicare Help5 min read
Medicare Help in Van Nuys, CA (91405): Local Agent, Local Answers
Where to get face-to-face Medicare help in the San Fernando Valley — and what to bring to your first consultation.
Medicare FAQs7 min read
Top 10 Medicare Questions We Hear from California Retirees
Quick answers to the questions clients ask most — from Part B timing to provider networks to drug plan changes during AEP.
Personalized Medicare review
Get help understanding Medicare.
Compare Medicare Supplement, Medicare Advantage, and Part D plans with a licensed local advisor — at no cost.