About Franco Stella
Helping Southern California Seniors Navigate Medicare with Confidence
Turning 65 shouldn’t be stressful. For over 18 years, I’ve helped thousands of Southern California residents understand their Medicare options, avoid costly gaps, and build comprehensive protection—without the pressure or confusion.
My Approach: Education First, Not Sales First
I believe you should understand your options before making any decisions.
That’s why I created the Medicare Explained ebook and live Medicare 101 webinar—to give you the foundation you need to make confident choices about your coverage.
My process is simple:
1. Education
Start with our Medicare 101 webinar or the Medicare Explained ebook to understand your major exposures and coverage options.
3. Build Your Medicare Umbrella
Together, we create a protection package that closes the gaps Original Medicare leaves, including Cancer/Heart/Stroke for the non-Medicare-covered expenses and other add-on protections. Learn more in our education.
4. Lifetime Support
FREE annual reviews, billing support, and year-round availability. You’re never alone.
2. Personalized Session
We review your specific situation—your doctors, medications, budget, and health needs.
Who I Serve
Medicare Clients (Age 65+):
- Turning 65 and overwhelmed by Medicare options
- Retiring from employer coverage and need Medicare guidance
- Wanting to switch from Medicare Advantage to a Supplement (or vice versa)
- Looking to protect their retirement from financial devastation due to major health issues
Under-65 Clients:
- Losing employer coverage and need Covered California
- Young adults turning 26 and aging off parents’ plan
- Couples where one spouse is on Medicare, the other isn’t
- Individuals & Families looking for an alternative option to major medical
- Wanting extra protection with Cancer/Heart/Stroke or Fixed Indemnity plans to reduce out-of-pocket costs
Why Choose an Independent Agent?
✓ No Hidden Fees – You pay the same price whether you use my help or do it alone
✓ Not Biased – I work with 25+ carriers and get paid by whichever one you choose
✓ Local & Licensed – Based in Temecula Valley, licensed in 12 states
✓ Year-Round Support – Not just during enrollment season
About Me
I’m Franco Stella, a proud resident of Southern California’s Temecula Valley. I’ve been married for 10 years and am the father of an 8-year-old. When I’m not helping clients, I enjoy playing guitar and spending time with my family.
Professional Background:
- 18 years helping clients with Medicare and health insurance
- Licensed in 12 states: CA (resident), AZ, FL, GA, ID, IN, NC, NM, NV, OR, SC, TN, TX
- Cal State Long Beach alumnus – expertise in languages and communication
- Fluent in 4 languages – serving diverse communities
What Drives Me:
I’m passionate about helping people who are often underserved—those facing language barriers, limited financial resources, or simply feeling overwhelmed by the Medicare system. My goal is to be the trusted advisor you can count on for clear, unbiased guidance.
Ready to Get Started?
Whether you’re turning 65 soon or need help with your current coverage, I’m here to help.
Medicare Explained EbookQuestions? Call me directly:
(951) 404-0642
email: fstella@francostellains.com
Schedule a no-cost consultation:
Schedule A Call