Turning 65 in Southern California? Don’t leave major exposures in your Medicare coverage.

Original Medicare leaves you exposed to hospital deductibles, 20% coinsurance with no limit, and skilled nursing costs. Get clear guidance so you can retire with confidence.

Get The Medicare Explained Ebook!

Understand Your Major Exposures

Original Medicare leaves major financial exposures wide open: hospital deductibles ($1,736), Part B’s 20% coinsurance with no limit, and skilled nursing costs. See where the gaps are before you turn 65.

Close the Gaps That Medicare Leaves

Learn how to protect yourself from the major exposures using Medicare Supplements or Advantage plans—plus Cancer and Heart Attack/Stroke coverage that every Medicare beneficiary should consider.

Build a Medicare Umbrella

Get a personalized Umbrella Package that eliminates your major exposures—covering hospital, medical, prescriptions, extended care and critical illness protection —all within your budget.

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Not Turning 65 Yet?

If you’re under 65, losing employer coverage, or your spouse is on Medicare while you’re not—we help you find the right Covered California plan. We also offer gap coverage like Cancer/Heart/Stroke and Affordable Choice plans to reduce your out-of-pocket costs.

Learn About Under-65 Options

Protect More Than Just Medical Bills

Many of my Medicare clients also want to ensure final expenses and income replacement are handled. We offer simple term life, whole life, and final expense insurance to protect your family’s financial future.

Explore Life & Final Expense

Client Success Stories

We pride ourselves on education-first, no-pressure Medicare guidance. Here’s what our clients have to say.

Meet Franco Stella

Hi, I’m Franco Stella, an independent Medicare advisor serving Southern California families for over 18 years.

I’m passionate about helping seniors turn 65 with confidence—no pushy sales tactics, just clear, education-first guidance.

Licensed in 12 states | Married 10 years | Proud father of an 8-year-old | Speaks 4 languages.

Learn More About Franco

Medicare Tips & Updates

For more Medicare education and planning tips, explore the Medicare Tips Blog. Read the latest Medicare Tips blog.