Business Details
35 Years
experience
Your Trusted Medicare Insurance Advisor in Los Angeles
Castle & Associates Insurance has dedicated itself to demystifying Medicare for seniors since 1991. Our founders extensive background in counseling and insurance operations informs our approach to personalized Medicare guidance. We prioritize comprehensive client education, asking critical questions to determine individual eligibility and needs. Our team of licensed agents operates in multiple states, offering free consultations to evaluate Medicare Supplement, Advantage, and Part D Rx plans. With decades of experience navigating complex Medicare rules, we help clients avoid costly errors like late enrollment penalties. Our independent agency status allows us to offer unbiased comparisons across available plans without carrier restrictions.We emphasize transparency in explaining how income affects premiums and the cost-sharing tradeoffs between different Medigap plans. Clients benefit from our guaranteed trial period for Advantage plans and our commitment to re-evaluate coverage annually. Our nationwide service network supports clients through every stage of their Medicare journey, from initial enrollment to annual plan optimization. Through client testimonials, we demonstrate our consistent track record of saving clients money while improving coverage quality. Our practice remains family-operated, with multiple licensed team members extending our founder's original mission of Medicare clarity.
Services
Medicare Supplements
Medicare Advantage
Part D Rx Drug Plans
Medigap Plans
Insurance Counseling
Details
- Year established: 1991
Highlights and features
- We offer 30+ years of Medicare insurance expertise
- Our licensed agents serve multiple states
- No upfront fees for our plan selection service
- We provide guaranteed trial periods for Medicare Advantage plans
- Personalized guidance tailored to individual needs
What people say
Professional, caring and knowledgeable
Most knowledgeable on Medicare
Saved us unnecessary spending
Prompt and efficient
Conscientious and helpful
Services
Medicare Supplements
Medicare Supplements help cover costs not paid by Original Medicare. We guide clients through standardized Plan A-N options to find the right balance between monthly premiums and out-of-pocket expenses. Our experts explain coverage nuances and cost-sharing limits. Personalized comparisons help clients avoid overpaying for unnecessary coverage while ensuring adequate protection.
Medicare Advantage
Medicare Advantage plans serve as an alternative to Original Medicare. We explain HMO, PPO, and PFFS options, emphasizing network restrictions and prescription drug coverage. Our licensed agents help clients understand copayment structures and out-of-pocket maximums. We provide detailed comparisons of zero-premium plans versus traditional Medigap alternatives.
Part D Rx Drug Plans
Part D Rx plans provide prescription drug coverage for Medicare beneficiaries. We analyze medication lists to determine optimal plans using official Medicare tools. Our consultations include evaluating premium/deductible tradeoffs and yearly cost projections. We help clients navigate enrollment periods and avoid coverage gaps.
Insurance Counseling
Our counseling service helps determine Medicare eligibility based on employment status and coverage type. We evaluate Social Security benefits and VA eligibility to prevent late penalties. Through structured consultations, we help clients understand how income affects premiums and coordinate with existing coverage.
Plan Comparisons
We provide side-by-side comparisons of all available plans in your area. Our analysis considers total annual costs including premiums and copayments. We explain network restrictions and prescription coverage differences. Clients receive customized recommendations based on specific healthcare needs and financial circumstances.
People
Wesley Mason
Founder
Wesley Mason established Castle & Associates Insurance in 1991 after starting his insurance career in 1991 as a crisis response counselor. His healthcare counseling background informs the agency's educational approach to Medicare guidance. With experience in 20+ employee organizations and multiple states, he created a client-centered insurance model that emphasizes thorough needs assessments before recommendations.
Questions
What's the difference between Medigap and Medicare Advantage?
Medigap plans work with Original Medicare to cover cost-sharing, while Medicare Advantage replaces Medicare. Medigap allows any Medicare-accepting provider, while Advantage plans have networks and require referrals.
How does income affect Medicare costs?
Higher incomes result in increased premiums for Medicare Part B and prescription drug plans, with thresholds ranging from $97,000 to $750,000 for married couples filing jointly.
Can I change plans after enrollment?
Medicare Advantage enrollees have a trial period during their first year to switch to Medigap without medical underwriting. Part D and Medigap changes require waiting until the Annual Election Period.
What happens if I delay Medicare enrollment?
Late enrollment penalties apply for Part B and prescription coverage if not enrolled when first eligible, unless maintaining employer coverage through active employment.
Are your services free?
Yes, our Medicare counseling services cost nothing to clients. We receive compensation from insurance carriers after policy enrollment, with no additional fees to clients.
How do Part D prescription plans work?
Part D plans have formularies and tiered copayments. Using Medicare's Plan Finder tool with your specific medications and pharmacy helps determine the most cost-effective options.
