about Us

About us

EVERY DESTINATION NEEDS A PLAN

Aguilera & Associates Insurance Services is proud to be a premier service provider in the Bay area. Our firm exists to provide comprehensive financial and health planning services. We strive to provide independent, objective, and unbiased advice. Our allegiance is to our clients, and we have an unyielding commitment to the achievement of our client’s financial goals and objectives. We specialize in working with clients as they plan for their financial freedom and health plans, as well as with those who are already enjoying their retirement. Our success is not measured by performance statistics, sales goals, or having a flashy office. Our success is measured by how effective we are in helping you achieve your goals. We invite you to be a part of our success story.

Let us guide YOU in putting the pieces in place today that will help YOU tomorrow

about us

Aguilera & Associates Insurance Services is proud to be a premier service provider in the Bay area. Our firm exists to provide comprehensive financial and health planning services. We strive to provide independent, objective, and unbiased advice. Our allegiance is to our clients, and we have an unyielding commitment to the achievement of our client’s financial goals and objectives. We specialize in working with clients as they plan for their financial freedom and health plans, as well as with those who are already enjoying their retirement. Our success is not measured by performance statistics, sales goals, or having a flashy office. Our success is measured by how effective we are in helping you achieve your goals. We invite you to be a part of our success story.

DISCOVER WHAT OUR CUSTOMERS HAVE TO SAY ABOUT US

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DISCOVER WHAT OUR CUSTOMERS HAVE TO SAY ABOUT US

REVIEWS

REVIEW US ON GOOGLE

frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a coverage gap, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

What do I do when I turn 65?

Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.

frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a gap in coverage, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

LIVE THE LIFE YOU

ALWAYS IMAGINED

LIVE THE LIFE YOU

ALWAYS IMAGINED

Aguilera & Associates Insurance Services

CA LIC #0B01700 6620 Coyle Ave Suite 120, Carmichael, CA 95608

Cell (415) 271-5160

cONTACT

service areas

Greater Los Angeles

Inland Empire

Orange County

San Diego County

Central Valley

San Francisco Bay Area

Sacramento / Northern California

Central Coast

service areas

Greater Phoenix / Valley of the Sun

Tucson / Southern Arizona

Northern Arizona

West Valley & Yuma

East Valley & Pinal County

operating HOURS

Mon: 9:00am - 5:00pm

Tue: 9:00am - 5:00pm

Wed: 9:00am - 5:00pm

Thu: 9:00am - 5:00pm

Fri: 9:00am - 5:00pm

Sat: CLOSED

Sun: CLOSED