MEDICARE SERVICES – CALIFORNIA

Comprehensive Services to Navigate Your Golden Years in Napa Valley

No more Medicare mysteries. Let us help you find your perfect plan.

MedIcare Supplements (MediGap)

Bridge the gaps in your original Medicare coverage with our Medicare Supplement plans, ensuring you're protected against unexpected medical costs and enjoying a broader range of benefits.


Medicare Advantage Plans

Experience a comprehensive plan that may offer extra benefits not included with Original Medicare.

Part D Prescription Drug Plans

Secure your health with our Prescription Drug Plans, designed to reduce your medication costs and provide a safety net against rising drug prices in the future.


Meet Rebecca Canova

 Your Medicare Advisor in Napa Valley

Navigating the intricate world of Medicare can be daunting, and I truly understand the weight of the decisions you're grappling with. That's why I founded NapaCal. Over the years, I've dedicated myself to not just offering services, but to being a comforting presence in the lives of those I serve.

My commitment is to listen, to understand, and to guide with compassion and deep knowledge. I want you to know that with me by your side, you're not facing the complexities of Medicare alone. Together, we'll find the best solutions tailored to your unique needs, ensuring your golden years are filled with peace, security, and the best care possible. Let's embark on this journey together, turning uncertainties into unwavering confidence.

Our Insurance Providers

Medicare Supplement Carriers

  • Aetna
  • Anthem
  • Blue Shield of California
  • Cigna
  • Humana
  • Mutual of Omaha
  • United Healthcare

MAPD & Prescription Drug Plans

  • Aetna
  • Brand New Day
  • Humana
  • United Healthcare
  • Wellcare
  • Western Health Advantage

Our Insurance Providers

Medicare Supplement Carriers

  • Aetna
  • Anthem
  • Blue Shield of California
  • Cigna
  • Humana
  • Mutual of Omaha
  • United Healthcare

MAPD & Prescription Drug Plans

  • Aetna
  • Brand New Day
  • Humana
  • United Healthcare
  • Wellcare
  • Western Health Advantage

Frequently Asked Questions

  • What's the difference between Medicare Supplements (MediGap) and Medicare Advantage Plans?

    Medicare Supplements, or MediGap, are policies designed to cover expenses not covered by Original Medicare, such as copayments, deductibles, and health care if you travel outside the U.S. Medicare Advantage Plans, on the other hand, are an "all-in-one" alternative to Original Medicare, often including Part D prescription drug coverage and additional benefits like vision and dental.


  • How do Part D Prescription Drug Plans work?

    Part D plans are standalone policies that add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.


  • When can I enroll in or change my Medicare plan?

    The initial enrollment period starts three months before you turn 65 and ends three months after your 65th birthday. There are also specific Annual Enrollment Periods (AEP) and Special Enrollment Periods (SEP) during which you can enroll in or make changes to your plan.


  • How does NapaCal assist with the Medicare enrollment process?

    At NapaCal, we guide you through every step, from understanding your options to finalizing your enrollment. We ensure you're well-informed, confident in your choices, and set up for success.


  • Are there any income-related adjustments to Medicare premiums?

    Yes, if your modified adjusted gross income is above a certain amount, you might pay an Income Related Monthly Adjustment Amount (IRMAA) in addition to your plan premium.


  • Can I have both a Medicare Advantage Plan and a MediGap policy?

    No, it's illegal for anyone to sell you a MediGap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.


  • How often should I review my Medicare plan?

    It's a good practice to review your plan annually during the Annual Enrollment Period to ensure it still meets your needs, especially if your health or medications have changed.


  • What kind of ongoing support does NapaCal offer after I enroll in a Medicare plan?

    We're here for you beyond just enrollment. Whether you have questions about your coverage, need assistance with claims, or want to understand any updates to Medicare, our team is always ready to assist.

Disclaimers

MEDICARE SUPPLEMENT:

The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. 

MULTIPLAN:

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor.  Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Frequently Asked Questions

  • What's the difference between Medicare Supplements (MediGap) and Medicare Advantage Plans?

    Medicare Supplements, or MediGap, are policies designed to cover expenses not covered by Original Medicare, such as copayments, deductibles, and health care if you travel outside the U.S. Medicare Advantage Plans, on the other hand, are an "all-in-one" alternative to Original Medicare, often including Part D prescription drug coverage and additional benefits like vision and dental.


  • How do Part D Prescription Drug Plans work?

    Part D plans are standalone policies that add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.


  • When can I enroll in or change my Medicare plan?

    The initial enrollment period starts three months before you turn 65 and ends three months after your 65th birthday. There are also specific Annual Enrollment Periods (AEP) and Special Enrollment Periods (SEP) during which you can enroll in or make changes to your plan.


  • How does NapaCal assist with the Medicare enrollment process?

    At NapaCal, we guide you through every step, from understanding your options to finalizing your enrollment. We ensure you're well-informed, confident in your choices, and set up for success.


  • Are there any income-related adjustments to Medicare premiums?

    Yes, if your modified adjusted gross income is above a certain amount, you might pay an Income Related Monthly Adjustment Amount (IRMAA) in addition to your plan premium.


  • Can I have both a Medicare Advantage Plan and a MediGap policy?

    No, it's illegal for anyone to sell you a MediGap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare. *Beneficiaries must choose either a Medicare Supplement Plan or a Medicare Advantage Plan since beneficiaries cannot enroll in a Medicare Supplement and Medicare Advantage plan at the same time.



  • How often should I review my Medicare plan?

    It's a good practice to review your plan annually during the Annual Enrollment Period to ensure it still meets your needs, especially if your health or medications have changed.


  • What kind of ongoing support does NapaCal offer after I enroll in a Medicare plan?

    We're here for you beyond just enrollment. Whether you have questions about your coverage, need assistance with claims, or want to understand any updates to Medicare, our team is always ready to assist.


Ready to Demystify Medicare?


 Fill out the form to the right and secure your one-on-one appointment with me. You can expect a response within 24 hours. Your peace of mind is just a click away!

This is a solicitation. By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not- call registry.  Cellular carrier charges may apply. This agreement is not a condition of enrollment or provision of services. You may change your contact preferences at anytime by contacting the agency.


952 School Street, #104 Napa, CA 94559

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