ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeMedicare Insurance AgentsCalifornia › Rancho Santa Margarita

Find Medicare Insurance Agents Near You in Rancho Santa Margarita, CA

Browse medicare insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated medicare insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 15 medicare insurance agents serving Rancho Santa Margarita.

Showing 15 medicare insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
9Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
10Farmers Insurance - Cameron Watson30162 Tomas Ste 205(800) 922-6526
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Medicare Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves the Rancho Santa Margarita, California area, offering guidance on Medicare insurance plans. As a local agent, she assists clients in understanding their coverage options during enrollment periods. The work involves helping individuals compare plan benefits and out-of-pocket costs to find suitable protection. This includes direct support for Medicare Supplement and Medicare Advantage plans in the local community.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Medicare Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides a full range of Medicare insurance agent services for individuals in Rancho Santa Margarita, California. The company assists clients with plan selection, enrollment, and annual policy reviews to ensure ongoing coverage alignment with their healthcare needs. Ongoing plan management and renewal support are also available to policyholders. The office services single-family homes, apartment complexes, retail storefronts, and full-service restaurants in the region.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Medicare Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Jerry Farcone serves homeowners, families, and retirees in Rancho Santa Margarita, California, by guiding them through Medicare insurance options. The agency helps clients understand plan differences, including supplements and Advantage coverage, to match individual healthcare needs and budgets. Customers receive personalized counsel on enrollment periods and cost considerations. The office also provides assistance to residents in nearby Mission Viejo, ensuring broader regional access to Medicare guidance.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Medicare Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding communities in south Orange County, this agency handles Medicare insurance enrollment and plan selection for local residents. It assists clients in understanding the different parts of Medicare, including original coverage and Medicare Advantage options, to help them make informed decisions during the annual enrollment period. The agency typically conducts a personal consultation to review an individual’s specific healthcare needs and then compares available Part D and supplemental policies to find a suitable fit.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Medicare Insurance Agent · Rancho Santa Margarita, CA

For clients choosing between one-time guidance or ongoing support, this agency assists with initial plan comparisons and continuous coverage updates. As a medicare insurance agent serving Rancho Santa Margarita, CA, Mashco Insurance Solutions Inc helps individuals understand plan benefits, cost structures, and provider networks. Annual enrollment changes and newly available options are addressed each year. Service runs on either a one-time or scheduled basis according to the client’s preference for check-ins or seasonal consultation.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Medicare Insurance Agent · Rancho Santa Margarita, CA

Seniors in Rancho Santa Margarita often face shifting Medicare enrollment periods and plan options each year. Adam Bays - State Farm Insurance Agent provides guidance on Part D prescription drug plans and Medicare Advantage coverage tailored to individual health needs. The agency helps clients evaluate how local provider networks and formularies affect their choices. Each initial consultation begins with a thorough review of the applicant’s current medications and preferred physicians to assess available plan fit.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Medicare Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance provides Medicare insurance agent services in Rancho Santa Margarita, California. The company assists clients with navigating Medicare plan options, including supplement and advantage policies, to help meet individual healthcare needs. Its general work involves educating beneficiaries on coverage details and enrollment processes. As the Annual Enrollment Period approaches each fall, the agent helps residents review and adjust their existing plans to ensure continued suitability for the coming year.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Medicare Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc supports residents in Rancho Santa Margarita with Medicare insurance plan selection and enrollment. Commercial coverage options are also available, with services extended throughout the surrounding local area. Guidance is provided clearly, ensuring clients understand Medicare rules, costs, and enrollment periods without pressure. The agency maintains ongoing contact to address annual plan changes. Shorr Agency Inc encourages clients to schedule follow-up appointments between regular annual reviews to reassess emerging health or budget needs.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Medicare Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services in Rancho Santa Margarita, CA, is known for guiding individuals through Medicare enrollment and plan selection. The company assists clients with understanding Original Medicare, Medicare Advantage, and Part D prescription drug plans. It helps beneficiaries compare coverage options to match their healthcare needs and budgets. Throughout the year, the agency offers personalized support for annual enrollment periods. Additionally, a specialty service the company can add on is consultation for Medicare Supplement plans to reduce out-of-pocket costs.

FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Medicare Insurance Agent · Rancho Santa Margarita, CA

Located in Rancho Santa Margarita, California, this agency specializes in helping clients understand and enroll in suitable Medicare coverage. Farmers Insurance - Cameron Watson assists individuals with selecting appropriate medical and prescription drug plans tailored to their healthcare needs. The agency also facilitates the integration of additional policies such as Medicare Supplement or Part D options. Serving a diverse client base, the agency provides guidance to small offices requiring group health solutions, commercial warehouses needing employee benefit packages, and food service businesses seeking compliant insurance structures for their workforce.

TO
22342 Avenida Empresa #255
totalinsuranceaccess
Medicare Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com
RI
31441 Santa Margarita Pkwy
Rischel Insurance Services
Medicare Insurance Agent · Rancho Santa Margarita, CA
(949) 589-8763
EI
23142 Arroyo Vista
Edson Insurance Services Inc.
Medicare Insurance Agent · Rancho Santa Margarita, CA
(800) 696-7544
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Medicare Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795
PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Medicare Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072

What Does a a Medicare Insurance Agent in Rancho Santa Margarita Cost?

Medicare insurance agents in California do not charge you a fee for their services. They receive commissions from insurance carriers, which are built into the plan premiums. Typical Medicare Part B premiums in 2025 are around $185 per month for most people, but costs vary by income and plan choice. Medicare Advantage plans may have $0 monthly premiums but include copays and deductibles. This is general information and not insurance advice.

About medicare insurance agents in Rancho Santa Margarita

Medicare insurance agents in Rancho Santa Margarita, California help residents compare plans and enroll in Medicare Part A, Part B, Part D, and Medicare Advantage. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. Local agents understand the specific health plan networks available in Orange County.

Frequently Asked Questions

What does a Medicare insurance agent in Rancho Santa Margarita do?

A Medicare insurance agent helps you compare Medicare plans, explain coverage options, and assist with enrollment. They work with multiple insurance carriers to find a plan that fits your needs and budget. Agents in California must follow state rules about scope of appointment and cannot charge you directly for their services.

When can I enroll in Medicare in Rancho Santa Margarita?

Your Initial Enrollment Period starts three months before you turn 65 and ends three months after your birthday month. California also has a Special Enrollment Period for certain situations like losing employer coverage. The Annual Enrollment Period runs from October 15 to December 7 each year.

Are Medicare insurance agents in California paid by commissions?

Yes, Medicare insurance agents are paid commissions by the insurance companies, not by you. California law requires agents to disclose their compensation if you ask. You do not pay extra for using an agent versus enrolling directly with a plan.

Medicare Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each medicare insurance agent's credentials and current standing with your state Department of Insurance.