Most Medicare agencies you find online are a phone number and a website, nothing you could actually visit. MC Insurance isn't that. The office at 18525 Sutter Blvd, Suite 290, Morgan Hill, CA 95037, is where Michele Campbell's independent agency operates in Morgan Hill today. If you'd rather sit across a desk from someone than explain your situation to a voice on a hold line, that option still exists here.
Independently run since 2008
Michele Campbell started this agency in 2008, and she's led it ever since. That kind of tenure isn't common in an industry where a lot of Medicare guidance online comes from call centers that route you to whoever picks up next, a different voice every time you call back. Eighteen years of comparing plans in the same market means the person reviewing your coverage in October is the same person reachable in March when you have a follow-up question, not a rotating name on a headset.
We're members of the Morgan Hill Chamber of Commerce, which is less a credential than a statement about where the business actually lives. An agency can buy a phone number in any area code. Belonging to the business community in the city on your letterhead is harder to fake, and it means the people who would hear about it first if we treated a client badly are our own neighbors.
The California birthday rule
If you already hold a Medicare Supplement plan, California gives you a 60-day window starting on your birthday to switch to a different Medigap plan with equal or lesser benefits, with no medical underwriting, though we can only place that switch with carriers we're appointed with. The full mechanic is on our California birthday rule page.
Free counseling, and a free plan review, are two different things
Santa Clara County's HICAP program is run by Sourcewise, a nonprofit offering free, unbiased Medicare counseling to any county resident, reachable at (408) 350-3200, option 1. A HICAP counselor can answer general questions and won't sell you anything, which is genuinely useful. What we do here is different and complementary: we compare specific plans against your actual doctors and prescriptions, then handle enrollment directly. Use both. Neither one costs you anything either way.
For Medicare Supplement shoppers specifically, that county-level plan filing doesn't apply the same way, since Supplement pairs with Original Medicare rather than a county-approved network. 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. The carriers we're currently appointed with for the Morgan Hill office, a list that runs longer than most people expect, is on our carriers page.
Three moments worth marking on a calendar
- Turning 65 soon: start about three months before your birthday month, during your Initial Enrollment Period
- Already enrolled: review every fall during Annual Enrollment, October 15 through December 7
- Already have Medigap: mark your own birthday, since that's when your 60-day switching window opens
Whichever window applies to you, bring your doctor list and prescriptions and we'll go through it together, in person if you'd like to stop by, or by phone if that's easier.