Medicare Health Plans & Health Insurance

Licensed Insurance Agents Specializing in Medicare + Health Insurance Plan Options including Covered California.

Serving Sacramento for over 35 years, here to educate you on options, compare plan benefits, and enroll with confidence!

Our Services are Free to You!

Check out our YouTube channel and our podcast!

(Available on the most popular podcasting platforms!)

Our services are 100% FREE to you, the consumer! Take advantage of our 35+ years of local market experience.

AHIP Certified Agent
Nahu Medicare Certified Agent
NAHU Leading Producers Round Table
National Association of Health Underwriters

National Association of Medicare Supplement and Medicare Advantage Producers
Covered California Certified Insurance Agent for Health Insurance

Helping you compare plans from major insurance carriers:

United Healthcare Logo
Physicians Mutual Logo
Imperial Insurance Companies Logo
Western Health Advantage  Logo
Alignment Health Plan Logo
Blue Shield of California Logo
Anthem Logo
Ameritas Logo
Humana Logo
Aetna Logo
Spirit Dental & Vision Logo
SilverScript Logo
Covered California Certified Agent
Delta Dental Logo
Cigna Logo
Health Net Logo
Mutual of Omaha Logo

Local Support for Medicare Insurance Plans & Health Insurance

Health Insurance

We find health insurance coverage for you and your family, including options from major carriers. We help you shop based on preferences and budget, and understand plan benefits.

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Medicare Advantage

Let us help you find the right Medicare Advantage plan that includes your preferred doctors and hospitals, and provides suitable coverage for your prescriptions.

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Medicare Supplement

Let us find your best Medicare Supplement/Medigap option. Plans of the same letter (e.g., Plan G) have the same benefits and doctor choices. Avoid overpaying by having us shop your options.

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Medicare Part D

Shop Part D plans based on your unique drug needs and pharmacy preference for competitive coverage. Review and update your plan annually during the Enrollment Period for new options and changes.

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Dental and Vision Insurance

We can find plans accepted by your preferred optometrist/dentist and help you choose the best coverage. Dental and vision insurance promote health and well-being.

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Group Coverage

We help small groups with their insurance needs; whether it’s for health insurance, dental/vision coverage, or other benefits. We will provide ongoing support to help you as your group grows.

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FAQs

When can I change my Medicare Supplement plan?

You can change your Medicare Supplement at any time, but you may have to answer health questions to be accepted. You can change your plan without answering health questions during the Open Enrollment period (from October 15th to December 7th) and during your California Birthday Rule (other states may have this rule as well).

When using the Birthday Rule, you DO NOT have to answer any health questions or be concerned with pre-existing conditions. It starts 30 days before your birthday and ends 60 days after your birthday.

Can I change Medicare Supplement carriers but keep the same plan?

Yes you can! Medicare Supplement plans are required to offer "Standardized" medical benefits by plan letter. So, if you have a Plan G, and move to another carriers’ Plan G, it will have the exact same medical coverage as your current plan. The concept applies to Plan F or Plan N as well.

You can also continue to see the same doctors you're seeing now if you change Medicare Supplement carriers. You can see any doctor who accepts Medicare and agrees to see you with any Medicare Supplement plan by any carrier.

Discounts and extra perks (like gym memberships) may vary.

Plan F is no longer offered. Will I lose my Plan F if I switch carriers?

If you have a Plan F and want to keep Plan F, you can. You are "grandfathered" in. Keep in mind that Plan G is almost identical to Plan F but has a lower premium.

The three most popular Medicare Supplement plans; "Plan F", "Plan G", and "Plan N" all offer very strong medical coverage and the same choice of doctors.

Why Choose SUMMIT Independent Insurance Services?

Specializing in Health & Medicare Insurance Plans for over 35 years

With 35+ years of experience, owner Tim Coughlin has helped countless clients find tailored health insurance and Medicare insurance plans. We offer expertise in these areas, unlike agents who dabble.

Expert guidance in navigating insurance complexities

Our experienced, independent licensed insurance agents help you understand timing, cost, coverage choices, and pitfalls when selecting Medicare or healthcare plans. Access 30+ top plans from major carriers.

Reliable, honest service you can trust

Avoid costly mistakes with our careful plan comparisons based on your unique needs. Count on us for assistance now and in the future, whether you're new to Medicare or considering Health Insurance plans.

Local assistance in Sacramento and beyond

Based in Gold River, California, we serve clients throughout California. Expect prompt support from licensed agents, no long hold times.

Save time, stress, and money with our fee-free service

Benefit from our expertise without additional fees. Avoid mistakes, save time, and reduce stress by working with us.

Authorized Independent Licensed Insurance Agents with Access to a Variety of Plans

As authorized Licensed Insurance agents, we provide access to 30+ plans from major carriers like Blue Shield of CA, Anthem, Aetna, and more.

Flexible options for in-person or remote assistance

Visit our office or schedule at-home appointments for convenience and flexibility.

In-person and remote options

Our office is conveniently located in Gold River, California near the heart of the Sacramento region. We are located on Gold Express Drive off Sunrise Boulevard. In-person and at-home appointments are available.

Phone: 916-346-4417

Email: tim@summitindins.com

A picture of Tim Coughlin, Summit Independent's business owner crossing his arms and smiling.

Tim Coughlin | Owner & Agent | LIC # 0669552

Independent insurance agent specializing in Health & Medicare plans for over 35 years. Office located in Gold River, CA.