1101 Investment Blvd, #170
El Dorado Hills, CA 95762
Meet Melinda Marshall
check_circleFree, No-Obligation Consultations
Your Friendly, Licensed Medicare Agent — Serving CA, TX, OK, WA & Nationwide
Hi there! I’m Melinda — and if Medicare feels confusing, you’re in the right place. I’m a licensed independent insurance agent with a Medicare focus serving clients in California, Texas, Oklahoma, Washington and across the country.
My mission? To make Medicare simple, personal, and actually enjoyable. Yep, I said enjoyable! No confusing jargon, no pushy sales — just honest answers, a warm smile, and a plan that fits YOUR life.
Whether you’re turning 65, retiring, or just want to make sure you have the best coverage possible — I’m here to walk you through every step. Think of me as your Medicare bestie. 💜
check_circleTrusted by Hundreds of Happy Clients
About Me
check_circle Licensed in CA, TX, OK, WA & Nationwide
so bring them all no such thing
as a silly question here!”
-Melinda Marshall
What I Can Do For You
From Medigap Medicare Supplement or Medicare Advantage, I help you find the right coverage — without the headache. Every plan is matched to YOUR needs, YOUR budget, and YOUR lifestyle. Let’s find your perfect fit!
Medicare Advantage Part C
All-in-one plans that bundle hospital, medical, and often prescription drug coverage — plus extras like dental, vision, hearing, and fitness programs. More benefits, one simple plan.
Prescription Drug Plans (Part D)
Keep your medications affordable with a Part D plan tailored to YOUR prescriptions. I’ll compare formularies and pharmacies to find the plan that saves you the most — every single year.
Dental & Vision
Don’t let the extras slip through the cracks! Standalone dental and vision keep you covered for the things Original Medicare doesn’t — like cleanings and glasses.
Not Sure Where to Start?
No worries — that’s literally what I’m here for! Whether you’re brand new to Medicare or switching plans, I’ll walk you through your options step by step. No pressure, no jargon, just real answers.
Medigap (Medicare Supplement)
Fill in the gaps that Original Medicare doesn’t cover — like copays, coinsurance, and deductibles. Medigap plans give you peace of mind and predictable costs, so there are no surprise bills.
Your Medicare Journey
No confusing jargon. No pressure. Just a clear, guided path to the coverage that fits YOUR life. Here’s exactly what to expect when you work with me.
in 5 Simple Steps
Welcome To
Medicare 101: Q&A
Reaching out to the Medicare eligible and offering unbiased Medicare assistance — Supplemental, Advantage, PDP products, plus DSNPs
Before We Begin
I am not affiliated with Medicare or any government agency. We do not offer every plan available in your area. Currently, we represent 388 organizations and 12,962 products. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.
A Quick Note
388
Organizations
12,962
Products
SHIP
Local Help Available
Contact: Medicare.gov · 1-800-MEDICARE · or your local SHIP
What is Medicare?
— on Social Security Disability
Insurance (SSDI) for 24 months*
(permanent kidney failure
requiring dialysis or
a transplant,
sometimes called ESRD)
Part A: Hospital Insurance
Part A: Hospital Insurance
$1,716
2026 Deductible
$0
Skilled Nursing Facility Days 1–20 (after 3-day inpatient stay); per-day copay thereafter
✦ Doctor’s office visits
✦ Labs
✦ MRI/CT scans
✦ And more
Part C: Medicare Advantage (MA/MAPD)
✦ Go anywhere nationwide that accepts Original Medicare — carrier doesn’t matter
✦ No referrals
✦ You need Part D (prescription drug plan) separately*
✦ G Plan premiums start at $150+/month
✦ Some carriers offer extras: gym, dental, vision, hearing
✦ Pay Part B deductible ($283* for 2026), then nothing else that is Medicare approved
Medigap / Medicare Supplement (Plans A–N)
Medicare Supplement Plan Chart
✦ These plans should be reviewed every Annual Enrollment Period (AEP – Oct 15 – Dec 7) to get you have the best plan with the best coverage for your current medications. These plans change their formularies EVERY YEAR*. This is a service I provide my clients at initial sign up and the following Annual Enrollment. It will be encouraged for you to continue each year afterwards at medicare.gov
✦The average savings per beneficiary for 2026 was well over $1000
✦Most agent do not do reviews because there is no compensation from carriers with the exception of HealthSpring
✦The name, exact spelling, if generic, dosage, times per day to get you the best plan and most accurate quote. EXAMPLE: Levothyroxine (generic) 100mcg tablet* 1 tablet 1x per day Synthroid (brand) 100mcg tablet 1 tablet* 1 x per day
Prescription Drug Coverage
You Need A Prescriptin Drug Review Every Year
✦ $2,693
✦$2,488
✦$13,913
✦$1,322
✦ $68
✦$982
✦$2,651
✦$93
Actual Clents
Please note: I do not receive compensation to do these reviews. Commissions for
prescription drug plans have been discontinued with the exception of HealthSpring. This is a service few agents provide.
✦ Medications must be on your drug plans formulary to count towards this out-of-pocket maximum
✦Not all drug plans are created equal. It is important to look at your plan every year regardless if medications have changed. Your plan could cover a drug this year but be discontinuing coverage next year
✦The only time you can change your drug plan is during Annual Enrollment Oct 15 – Dec 7
✦You are eligible for the Prescription Payment Plan from your Part D plan for any prescriptions over $600. This is something you must apply for from your Part D plan prior to picking up the prescription
Facts About Medications
Let’s Talk Medicare —
No Pressure, Just Answers
Whether you’re turning 65, switching plans, or just have a quick question — I am here to help. Reach out anytime. No jargon, no sales pitch, just real answers from someone who genuinely cares.
don’t hesitate. I’d love to hear from you.”
– Melinda Marshall
El Dorado Hills, CA 95762
