To speak with a licensed agent, call (760) 478-6318 (TTY 711 M-F, 9am-5pm) or email fmenslage@gmail.com

Frederick Menslage

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Medicare’s “Donut Hole”

      This situation creates a coverage gap for some beneficiaries as they reach their annual coverage limits and have to pay more out-of-pocket.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Articles and Information


      Managing Chronic Conditions in Retirement: Leveraging Medicare Options

      As you plan for retirement, it’s crucial to consider potential chronic health conditions and how Medicare options can help manage them.

      Read More

      Managing Chronic Conditions in Your Golden Years

      As we age into our golden years, managing chronic health conditions becomes increasingly important for maintaining a good quality of life.

      Read More

      Enrollment Periods for Medicare: What You Need to Know

      Medicare’s Annual Enrollment Period is underway now, but it’s not the only enrollment period that you need to be aware of as a Medicare beneficiary. Here is a breakdown of what you should know.

      Read More

      Medicare and Long-Term Care: What’s Covered and What’s Not

      Understanding Medicare’s limitations in covering long-term care is vital for every individual, especially those approaching retirement age. Here’s what you should know…

      Read More

      Here’s Your Guide to Navigating Medicare’s AEP

      The Medicare Annual Election Period (AEP) has begun, and as always, will run from October 15th to December 7th. During this period, you can take advantage of the following opportunities…

      Read More

      The Crucial Role of Your Part D Drug Formulary in Medicare Annual Election

      One often overlooked but critical aspect of the Medicare decision-making process is the Part D drug formulary. Here’s what you should know…

      Read More

      A New Federal Rule Offers the Opportunity to Enroll in Medicare Savings Plans

      States now have a significant opportunity to enroll more low-income Americans in Medicare Savings Plans, improving their access to necessary healthcare services.

      Read More

      What You Need to Know About Medicare Hospitalization Coverage in 2024

      As we step toward 2024, it’s essential to understand how Medicare’s hospitalization coverage works and any recent updates.

      Read More

      Staying Safe and Healthy When the Weather Turns Cold

      Cold and flu season has begun, along with the other health and safety risks that come along with cold weather. Here’s how to protect yourself and your loved ones.

      Read More

      Read Additional Articles

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