MEDICARE PLANNING
Talk to a Licensed AgentMake Sense of Medicare—And Make the Right Choice for You
Turning 65 comes with a flood of decisions, and Medicare is one of the most confusing. What plan should you choose? When should you enroll? Will it cover what you need? We help you cut through the complexity and make confident decisions about Medicare coverage—so it works with your lifestyle, your health needs, and your broader retirement strategy. With Lighthouse, you don’t have to figure it out alone.
Medicare Planning Concerns We Help Address
“When Should I Sign Up For Medicare?”
We help you navigate timing and enrollment periods so you avoid late penalties and gaps in coverage.
“What’s The Difference Between Medicare Advantage And Medigap?”
We explain your options clearly and help you compare plans based on your health needs, costs, and preferences.
“Will Medicare Cover All My Expenses?”
We show you what’s covered—and what isn’t—so you can plan for out-of-pocket costs and supplemental insurance.
“I’m Still Working At 65—What Now?”
We help you coordinate Medicare with employer coverage or delay enrollment strategically.
“I Don’t Want To Make A Costly Mistake.”
We guide you step by step through your decisions to help you feel confident and avoid missteps.
“How Does Medicare Fit Into My Retirement Plan?”
We integrate Medicare into your broader retirement income and healthcare strategy—so everything works together.
Talk To A Licensed Agent
Luz Sandoval is here to help guide you through the process and ensure that you understand your options every step of the way. From original Medicare coverage to the difference between Medicare Supplement and an Advantage Plan, we’ll cover all the bases.
This service is not affiliated with any government agency. We do not offer every plan available in your area. Information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or 1-800-MEDICARE or your local State Health Insurance Program to get information on all your options.
Services are offered through Borthwick Associates, INC.
Insurance products are not deposits, not an obligation of and not guaranteed by Lighthouse Federal Credit Union, not protected by the NCUA, and may be subject to risk.