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Medicare Insurance Agents in Rancho Santa Margarita, CA
Directory of medicare insurance agents in Rancho Santa Margarita, California. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
Rancho Santa Margarita, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 15 medicare insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Edson Insurance Services Inc.
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(800) 696-7544
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.