Why choose us as independent health

insurance agent in California?

Springett Insurance is an independent health insurance agent in California with AGA Medicare Options, representing most major Medicare Advantage & Medicare Supplement Insurance plans in the Los Angeles area. We offer our services at NO COST to you:

  • Personal appointments with you and your spouse
  • Reviewing co-pays
  • Explaining the limitations of each plan
  • Providing detailed information on time frames and enrollment periods
  • Assuring that your plan covers your medications at the lowest cost
  • Finding plans that are accepted by your physicians
  • Finding plans that are accepted by the hospital of your choice
At AGA Medicare Options we assist you in finding the policy which best fits YOUR needs and budget. Again, all of this is done at NO COST to you.
Give us a call today at (818) 493-3858 to schedule an appointment or get additional information. We look forward to serving you.

United Health Care
Alignment Health Plans
Anthem BlueCross
Blue California
Blue Cross Blue Shield of Mexico
Blue Shield of California
Care More
Central Health Plan of California
Cigna HealthSpring
Clover Health
Community Care Alliance of Illinois NFP
Fidelis Care
Gateway Health
HAP Medicare Solutions
Inter Valley Health Plan
L.A. Care Health Plan
Molina Health Care
Mutual of Omaha
SCAN Health Plan
Scott & White
Well Care
Brand New Day

You deserve an agent that works for you

As your adviser, you already know that Medicare is designed to cover only 80% of your medical costs. The remaining 20% is your financial responsibility. The Springett Insurance Program can help meet that 20%.

Original Medicare

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Part A
Hospital Benefits

Part A covers:

  • Inpatient hospital care
  • Inpatient mental health care
  • Skilled nursing care
  • Hospice care
  • Some blood transfusions
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Part B
Medical Services Benefits

Part B covers:

  • Physicians services
  • Outpatient hospital services
  • Ambulance
  • Outpatient mental health
  • Laboratory services
  • Durable medical equipment (wheelchairs, oxygen, etc)
  • Outpatient physical, occupational, and speech therapy
  • Preventive care
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What's Not Covered?

Medicare traditional doesn't cover all costs. Here are some examples:

  • Medicare Part A and B deductibles ($1,600 and $223 in 2023)
  • Co-insurance (generally 20%)
  • Premiums
  • Medicare Part B excess charges
  • Prescription drugs
  • Additional benefits like hearing, vision, and dental
  • Long-Term care or custodial care if that is the only care you need. Most nursing home care is considered custodial care.

Medicare Health Plan options

How to choose the plan that is best for you?

You do not need to change doctors unless you want to.


Medicare Advantage Plans

Take a Medicare Advantage (also known as Part C) plan that combines the Part A and Part B benefits offered by Original Medicare.

  • Low or zero monthly premium options often available
  • Most offer prescription drug coverage
  • Utilizes a network of providers and hospitals to obtain coverage for medical services
  • Many plans offer benefits that go beyond original Medicare such as dental, vision, or hearing coverage, fitness, transportation, chiropractic, acupuncture, annual physical, meals following hospitalization, telemedicine, over-the-counter supplies, and more*
  • No medical underwriting questions so you can't be denied for your health history
  • Most offer low or no co-payments to see your Primary Care Physician
  • All plans have an out-of-pocket maximum that limits your potential medical expenses each year
Appointment Now

Medicare Supplement Plans

A Medicare Supplement plan (also known as a Medigap plan) is a policy offered by private insurance companies that will pay for some or most of the out-of-pocket costs left by Medicare after they've paid their part.

  • Designed to fill the gaps left by Original Medicare such has deductibles, co-payments, and co-insurance
  • Works with any provider that accepts Medicare throughout the United States
  • No referrals required for specialists
  • Standardized plans of the same letter (F, G, N, etc.) have the same benefits regardless of the insurance company*
  • Guaranteed renewable for life
  • Plan benefits remain the same year after year
  • Some plans offer emergency foreign travel coverage
  • Some plans types offer a high deductible option
Appointment Now

Part D - Prescription Drugs Plans

While Medicare does not directly provide coverage for prescription drugs obtained from a pharmacy or via mail order, it does establish a template for drug coverage offered by private insurance companies. Part D was created to give Medicare recipients the ability to get their medications at a reduced cost compared to paying retail prices.

  • Each Part D drug plan offered by an insurance company is approved by CMS to meet their standards set for prescription coverage.
  • Part D plans are usually contracted with certain pharmacy networks and you may find significant savings by filling your prescriptions at a preferred network pharmacy.
  • Mandatory plan in the case that you do not choose the previous plans
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