Los Gatos has one of the highest concentrations of retirees of anywhere we serve, most of them arriving at 65 already holding coverage worth taking seriously rather than replacing on reflex. That's the market this page is written for.
A second opinion, not a sales call
Most Medicare marketing assumes the person reading it doesn't have coverage yet and needs to be sold something. That premise doesn't hold up well in Los Gatos, where a large share of households arrive at 65 already holding decent coverage, from a career job, a spouse's employer, or years of paying for a strong Supplement plan out of pocket. The useful service for that household isn't a pitch. It's an honest audit: does what you already have still make sense, or has something changed that you haven't noticed yet.
A Los Gatos household at 65 often already has a financial advisor, and Medicare decisions rarely sit neatly apart from the rest of a retirement plan. Premiums interact with income, and an IRMAA surcharge driven by a Roth conversion or a capital gain is a conversation your advisor should be in. Michele Campbell has built working relationships with area financial planners over the years, including through the Financial Planning Association's Silicon Valley chapter, so coordinating with the person already managing your retirement income is normal here rather than an awkward exception.
What an audit like that actually checks
We start by confirming the basics most people never revisit once they've enrolled: whether an existing employer-based plan is set up correctly alongside Medicare Part B, whether a current Medigap premium has drifted upward relative to what's now available for the same benefit level, and whether a household splitting time between two properties has coverage that actually travels with them.
- Whether an existing plan is properly coordinated as primary or secondary alongside Medicare
- Whether your current Medigap premium still compares well against equal-benefit options
- Whether a second property or extended time away changes which type of plan fits best
A large number of Los Gatos residents keep a home or spend significant stretches of the year somewhere else, and that pattern matters here specifically: Medicare Supplement pairs with Original Medicare and reaches any doctor nationwide who accepts it, while a Medicare Advantage plan's network is generally built around one home address. Neither is automatically the right choice; it depends on how much of the year you're actually away.
The California birthday rule, aimed at exactly this situation
For someone who already has solid Medigap coverage and just wants confirmation it's still the best version of what they have, California's yearly birthday-rule switching window is the entire point. The full mechanic is on our California birthday rule page.
Same Santa Clara County programs as Morgan Hill and Gilroy
Los Gatos sits in Santa Clara County, so the same Medicare Advantage plan landscape and the same free HICAP counseling program apply here as in Morgan Hill and Gilroy. 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. That program, Sourcewise, is free and reachable at (408) 350-3200, option 1, for a second opinion alongside ours.
Whichever direction the review points, the carriers we're appointed with for Medicare Advantage and Medicare Supplement in Santa Clara County are listed in full on our carriers page, and we'll say directly when your current plan already beats anything new we could show you.