We work out of the Morgan Hill office, just up the road from Gilroy, and we're members of the Gilroy Chamber of Commerce. That local tie is a real thing we stand behind, not a phrase on a homepage.
Our Gilroy Chamber membership, and what it doesn't change
Chamber membership isn't a credential that makes us better at comparing Medicare plans, and we won't pretend otherwise. What it does mean is we're answerable to the same South County neighbors a Gilroy resident already knows, not a directory listing with a phone number and nothing else behind it.
Same county, same programs as Morgan Hill
Gilroy and Morgan Hill sit in the same county, Santa Clara, so the Medicare Advantage plan landscape, the HICAP counseling program, and the underlying state rules are identical for both cities. The difference between a Gilroy address and a Morgan Hill one is really just which exit off 101 gets you to the office. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Santa Clara County's free counseling program, Sourcewise, reaches Gilroy the same as it reaches Morgan Hill, at (408) 350-3200, option 1. That's a genuine second opinion, at no cost, and we'd rather a Gilroy resident use it alongside a review with us than skip it entirely.
The California birthday rule reaches Gilroy too
It's a statewide right, so if you already carry a Medigap policy, it works exactly the same in Gilroy as anywhere else in California. The full mechanic is on our California birthday rule page.
Comparing plans instead of guessing from a mailer
The mail that shows up after 65 usually leads with one carrier's pitch, not a side-by-side comparison. We're independent and work across multiple carriers, listed in full on our carriers page, and we'll say plainly when your current plan already fits, even though that conversation doesn't earn us anything.
South County has a fair number of agricultural and small-business retirees, people who worked for themselves or a local employer rather than a large company with an HR department managing benefits for them. That background often means nobody ever walked you through how Medicare interacts with the coverage you had before. We start from scratch with those questions rather than assuming a baseline of familiarity that South County retirees with that kind of career history simply never had a reason to build.
- A list of your current doctors and specialists, so we can check them against any plan before recommending it
- Your prescriptions and dosages, since that drives the formulary comparison that actually matters
- Any plan letter or Annual Notice of Change already sitting in your mail pile