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Medicare Made Simple, Friendly & Personal Hi, I’m Melinda — a licensed Medicare agent serving CA, TX, OK & nationwide. No call centers, no pressure. Just real answers and a free consultation. Book A Free Consultation arrow_right Office Hours Mo. – Thu.: 9:00 am – 5:00 pm Fri.: 9:00 am – 4:00 pm +1 916-458-1905 Find Me Melinda Marshall Insurance Solutions
1101 Investment Blvd, #170
El Dorado Hills, CA 95762 See How It Works{{current_slide_index}}arrow_right

Meet Melinda Marshall

check_circleFree, No-Obligation Consultations

check_circlePersonalized Plan Matching

Your Friendly, Licensed Medicare Agent — Serving CA, TX, OK, WA & Nationwide

Hi there! I’m Melinda — and if Medicare feels confusing, you’re in the right place. I’m a licensed independent insurance agent with a Medicare focus serving clients in California, Texas, Oklahoma, Washington and across the country.

My mission? To make Medicare simple, personal, and actually enjoyable. Yep, I said enjoyable! No confusing jargon, no pushy sales — just honest answers, a warm smile, and a plan that fits YOUR life.

Whether you’re turning 65, retiring, or just want to make sure you have the best coverage possible — I’m here to walk you through every step. Think of me as your Medicare bestie. 💜

Explore All The Ways I Can Help arrow_right

check_circleTrusted by Hundreds of Happy Clients

About Me

check_circle Licensed in CA, TX, OK, WA & Nationwide

check_circleIn-Person & Virtual Appointments “Fun fact: I love answering questions,
so bring them all no such thing
as a silly question here!”

-Melinda Marshall

What I Can Do For You

Medicare & Insurance Solutions Tailored to You

From Medigap Medicare Supplement or Medicare Advantage, I help you find the right coverage — without the headache. Every plan is matched to YOUR needs, YOUR budget, and YOUR lifestyle. Let’s find your perfect fit!

Explore Your Options — Free Consultation arrow_right

Medicare Advantage Part C

All-in-one plans that bundle hospital, medical, and often prescription drug coverage — plus extras like dental, vision, hearing, and fitness programs. More benefits, one simple plan.

Prescription Drug Plans (Part D)

Keep your medications affordable with a Part D plan tailored to YOUR prescriptions. I’ll compare formularies and pharmacies to find the plan that saves you the most — every single year.

Dental & Vision

Don’t let the extras slip through the cracks! Standalone dental and vision keep you covered for the things Original Medicare doesn’t — like cleanings and glasses.

Not Sure Where to Start?

No worries — that’s literally what I’m here for! Whether you’re brand new to Medicare or switching plans, I’ll walk you through your options step by step. No pressure, no jargon, just real answers.

Medigap (Medicare Supplement)

Fill in the gaps that Original Medicare doesn’t cover — like copays, coinsurance, and deductibles. Medigap plans give you peace of mind and predictable costs, so there are no surprise bills.

Why Choose MMIS → arrow_right #1 Give me a call, send an email, or book online — whatever’s easiest for you. We’ll set up a free, no-obligation consultation to talk about your needs, your budget, and your questions. No pressure, just a friendly conversation.

Your Medicare Journey

No confusing jargon. No pressure. Just a clear, guided path to the coverage that fits YOUR life. Here’s exactly what to expect when you work with me.

How It Works The Consultation

in 5 Simple Steps

#4 Easy Enrollment Once you’ve picked your plan, I handle all the paperwork. I’ll walk you through every step of the enrollment process — in person, over the phone, or virtually. No confusing forms, no fine print surprises. Just a smooth, stress-free sign-up. Determining When You Need To Sign Up Timing is everything with Medicare — and missing your window can mean penalties that stick with you for life. Whether you’re turning 65, retiring after 65, or losing employer coverage (Employer must have 20 full time employees), COBRA and Market Place insurance is not considered creditable coverage- there’s a specific enrollment period built just for your situation. I’ll help you figure out exactly when YOUR clock starts ticking so you never pay a dime more than you should. #3 Personalized Plan Matching I’ll review your doctors, prescriptions, and healthcare needs — then compare every available plan in your area side by side. No generic recommendations. Every option is matched to YOUR specific situation so you get the best coverage at the best price. #5 Here When You Need Me I don’t disappear after enrollment. Got a billing question? Need to find a new doctor? Want to review your plan next year? I’m just a call or text away — 365 days a year. Think of me as your Medicare bestie for life. 💙 #2

Welcome To

Medicare 101: Q&A

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Reaching out to the Medicare eligible and offering unbiased Medicare assistance — Supplemental, Advantage, PDP products, plus DSNPs

Before We Begin

I am not affiliated with Medicare or any government agency. We do not offer every plan available in your area. Currently, we represent 388 organizations and 12,962 products. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

A Quick Note

388
Organizations

12,962
Products

SHIP
Local Help Available

Contact: Medicare.gov · 1-800-MEDICARE · or your local SHIP

What is Medicare?

The Basics Have A Chat arrow_right Medicare is the federal health insurance program for: Age 65+ Disability Younger people with disabilities
— on Social Security Disability
Insurance (SSDI) for 24 months* ESRD ALS ALS — the first month you receive SSDI People who are 65 or older End-Stage Renal Disease
(permanent kidney failure
requiring dialysis or
a transplant,
sometimes called ESRD)

Part A: Hospital Insurance

Original Medicare Inpatient hospitalization

Part A: Hospital Insurance

Original Medicare Inpatient Hospitalization Stats

$1,716

2026 Deductible

$0

Skilled Nursing Facility Days 1–20 (after 3-day inpatient stay); per-day copay thereafter

Most of the time: premium free — worked 40 quarters of your life Original Medicare Part B: Medical Insurance What’s Covered: ✦ Outpatient hospitalization
✦ Doctor’s office visits
✦ Labs
✦ MRI/CT scans
✦ And more $283* Annual Deductible (one-time/year) $202.90* Monthly Premium (2026) IRMAA ⚠️ Could go up based on income ** 2026 is based on 2024 taxes: Form 1040 Line 11 + Line 2a ** Part D 2026 Income Related Monthly Annual Adjustment Your Part D premium may include an extra charge based on your income. Here’s how it breaks down: “This is based on your 2024 taxes — Form 1040 Line 11 plus Line 2a” The 20% Gap So, I Have Original Medicare. Why Do I Need Additional Coverage? “A $100,000 bill will leave you with a liability of $20–35k, including the potential of an additional 15%. That’s scary — but that’s why I’m here.” – Melinda Marshall What is NOT Included: DENTAL, VISION, HEARING

Option #1 Have A Chat arrow_right The carrier takes control of your Part A & B and is compensated by the government. To Cover the 20% Gap

Part C: Medicare Advantage (MA/MAPD)

Option #2 ✦ Freedom: These move with you and never change
✦ Go anywhere nationwide that accepts Original Medicare — carrier doesn’t matter
✦ No referrals
✦ You need Part D (prescription drug plan) separately*
✦ G Plan premiums start at $150+/month
✦ Some carriers offer extras: gym, dental, vision, hearing
✦ Pay Part B deductible ($283* for 2026), then nothing else that is Medicare approved Have A Chat arrow_right To Cover the 20% Gap

Medigap / Medicare Supplement (Plans A–N)

 Advantage vs. Supplement Learn More arrow_right Must go through health underwriting to move to Supplement later. Move out of area or plan discontinued*. 12-month “free look” when new to Medicare — at end of 12 months you must have a valid enrollment period for Part D (AEP and OEP only). Start with Advantage Covering Your 20% Gap: Which Path? Start with Supplement Guarantee Issue at your IEP. Move to Advantage anytime if financial burden. Moving carriers limited — CA offers “birthday rule” but you can only move DOWN in benefits (F→G, G→N). Moving UP requires underwriting.

Option #1 Have A Chat arrow_right N Plan At a Glance

Medicare Supplement Plan Chart

$20 doctor’s office copays and $50 ER copay. High Deductible G Plan option: $2,950 deductible for 2026. Thereafter, 100% — pays as regular G. G Plan

Part D — Prescription Drug Coverage ✦ Plans start as low as $5.70/month (based on area) — built around YOUR medications
✦ Should be reviewed EVERY Annual Enrollment Period (Oct 15–Dec 7)
✦ Plans change their formularies EVERY YEAR Have A Chat arrow_right Part D

Prescription Drug Coverage

The Medicare Facts Medicare by the Numbers Understanding Medicare starts with knowing the basics. Here’s what every beneficiary should know — and why having a licensed agent in your corner matters. Have Questions? Let’s Chat arrow_right Americans on Medicare Plan Options in Most Counties With dozens of Medicare Advantage, Medigap, and Part D plans available, choosing the right one can feel overwhelming. That’s where I come in. Cost for My Services My help is completely free to you — always. I’m compensated by the insurance carriers, so you get expert guidance at zero cost. Over 67 million people rely on Medicare for their healthcare coverage. You’re not alone — and you deserve a plan that fits YOUR life. States + Nationwide Licensed in California, Texas, and Oklahoma, Washington — and able to help clients across the country. Wherever you are, I’ve got you covered.

Let’s Talk Medicare —

No Pressure, Just Answers

Whether you’re turning 65, switching plans, or just have a quick question — I am here to help. Reach out anytime. No jargon, no sales pitch, just real answers from someone who genuinely cares.

GET IN TOUCH Book A Free Consultation TODAY! In Person & Online Meetings Available 916-458-1905 Mo.-Thu.: 9:00 am – 5:00 pm Fri.: 9:00 am – 4:00 pm “I treat every client like family. If you have a question, big or small
don’t hesitate. I’d love to hear from you.”

– Melinda Marshall

1101 Investment Blvd., #170
El Dorado Hills, CA 95762 Quick Links keyboard_arrow_rightHome Melinda Marshall Insurance Solutions is your trusted guide to Medicare and insurance — making the right plan feel personal, simple, and completely free. 916-458-1905 insure.mrm07@gmail.com keyboard_arrow_rightAbout keyboard_arrow_rightServices keyboard_arrow_rightWhy Choose Melinda keyboard_arrow_rightEvents + Q&A keyboard_arrow_rightBlog & Resources Copyright 2026 – Melinda Marshall Insurance Solutions Privacy Policy keyboard_arrow_rightContact keyboard_arrow_rightBook A Free Consultation