Independent licensed insurance agent
Medicare decisions, made with a plan.
One-on-one guidance to compare Medicare Supplement, Medicare Advantage, and Part D options from the insurance companies I represent — so your coverage fits your doctors, your prescriptions, and the retirement you have in mind.
Pick a time that suits you and I'll call you then. Evening and weekend appointments available.
Prefer to look on your own first? Compare plans online (opens in a new tab)
- No cost for my help
- Phone or video appointments
- Evening and weekend appointments available
Ed Chinea, your agent
Who I help
Guidance for where you are right now
Turning 65 and still working
Keep your employer plan, enroll in Part B, or both? We'll sort out timing, HSA contributions, and how your coverage works together.
Retiring from employer coverage
Leaving a group plan starts the clock on important enrollment windows. I'll help you move to Medicare without gaps or late-enrollment penalties.
Already on Medicare
Doctors, prescriptions, and plans change every year. A yearly review helps make sure your coverage still fits.
Traveling or living in two states
Snowbird or frequent traveler? We'll compare how different options work when you're away from home.
Higher income? See how IRMAA can affect your Medicare premiums
Coverage options
Understand your choices before you choose
Medicare has moving parts. Here's how the main options fit together.
Medicare Supplement (Medigap)
Helps pay costs Original Medicare doesn't cover, and works with any doctor or hospital in the U.S. that accepts Medicare.
Learn more
Medicare Advantage (Part C)
An alternative way to get your Medicare benefits through a private plan, usually with a provider network and an annual out-of-pocket limit.
Learn more
Part D prescription drug plans
Stand-alone drug coverage to pair with Original Medicare or a Medicare Supplement.
Learn more
Dental, vision & extra protection
Dental, vision, and hearing coverage, hospital indemnity, and other plans that can fill specific gaps.
Learn moreHow working with me works
Book a time
Pick a phone or video appointment that fits your schedule. Evening and weekend appointments available.
Review your needs
We'll go over your doctors, prescriptions, budget, and priorities, then compare options side by side.
Enroll with confidence
When you're ready, I'll help you enroll, then stay available for questions during the year and a review every fall.
Why work with an independent agent?
Several insurance companies, one conversation
I represent multiple insurance companies, so we can compare options instead of starting with just one.
No cost for my help
I'm paid by the insurance companies I represent. Your premium is the same whether you enroll with me or on your own.
Straight answers, no pressure
Plain-English explanations and time for your questions. You decide if and when to enroll.
Support after you enroll
Questions about coverage, billing, or next year's changes? I'm a call or email away.
Hi, I'm Ed.
I'm an independent licensed insurance agent focused on Medicare. I work with people who want to understand their options clearly — especially those turning 65 while still working or planning their move into retirement. My goal is simple: help you choose coverage you understand and feel good about, and be there when you need me.
More about meMedicare basics, explained
Turning 65 checklist
What to do and when, starting a few months before your birthday.
Read the guideWorking past 65
How employer coverage, Part B, and HSAs fit together.
Read the guideEnrollment periods
The key dates for signing up and making changes.
Read the guideSupplement vs. Advantage
The trade-offs between the two main paths.
Read the guideIRMAA
Why higher incomes pay more for Part B and Part D, and what you can do.
Read the guideCommon questions
Does it cost anything to work with you?
No. I'm paid by the insurance companies I represent, and your premium is the same whether you enroll with me or on your own.
Do I have to enroll during our appointment?
No. Our conversation is about understanding your options. You decide if and when to enroll.
How do appointments work?
We meet by phone or video at a time you choose. Before we discuss Medicare Advantage or Part D plans, Medicare requires a Scope of Appointment — I'll send you a short form to confirm the topics you'd like to cover.
When should I start planning if I'm turning 65?
Three to six months before your 65th birthday is a good time to start. Your Initial Enrollment Period begins three months before the month you turn 65.
I'm still working. Do I need Medicare at 65?
It depends on your employer's size and your coverage. Many people with coverage from current employment can delay Part B without a penalty, but there are important exceptions. Let's review your situation before you decide.
Ready to talk it through?
Pick a time that suits you and I'll call you then. No pressure, and no cost for my help. Evening and weekend appointments available.