Patti Fagan Insurance Services



2100 Garden Road, Suite C307
Monterey, CA 93940


(831) 641-7127


(408) 317-1865

Medicare Supplements

Most people find Medicare confusing and overwhelming.

But not to worry, we're here to help. As an independent licensed insurance agency, we're contracted with all the top carriers in your area. That means we represent you, the client. Not the insurance carrier.

Medicare Supplement plans (also called Medigap) are standardized by CMS (Centers for Medicare and Medicaid Services).

Which means that each plan provides the same benefits from carrier to carrier. For instance, Plan G with company A has the same exact benefits as Plan G with company B.

Medical Supplement Insurance companies cannot change the benefits. They are standardized by the government.

All Medicare Insurance Companies are required by law to pay your Medicare approved claims.

The only difference is PRICE.

Even though plan benefits are standardized, the premiums for Medical Supplement (Medigap) plans are not. Each insurance carrier sets their own premiums. They can also increase premiums on a regular basis. In fact, they do.

Hence the need for your own Medicare Insurance Advocate.

By engaging the services of your own Medicare Insurance representative, you can avoid paying the highest rates in your local area.

Since I am an independent Medicare agent, I represent YOU the consumer, not the insurance carrier. Which means I look for the highest quality of coverage available in your area, with the highest rated companies, at the best rates possible.

Also, my services are free. You'll pay the exact same premium whether you enroll in a plan through me or go directly to the carreir. However, if you enroll through the carrier, you won't get my personalized services (which remember are free to you), and you won't get crucial industry updates on ALL the carriers in the industry. 

There is no cost or obligation to get a quote.

Let me know how I can help!



Phone: (831) 641-7127

FAX: (403) 317-1865