Medicare
Advantage, Supplement (Medigap) and Part D drug plans, explained in plain language and compared for your doctors and prescriptions.
About Medicare
Independent guidance. Personal attention.
We keep up with Medicare,
so you don’t have to.
Clear answers. Coverage that fits your life. A local agent who is here for you, today and down the road.
Serving California, Nevada & Arizona since 2012
Independent
Your needs come first
Since 2012
Experience you can turn to
Three states
CA · NV · AZ
At your convenience
At home, by phone or video
Our services
A little clarity. A lot of peace of mind.
Whatever comes next, we help you understand your options and make a choice you feel good about.
Final expense & life insurance
Whole life coverage that can help loved ones with funeral costs and other final expenses. Benefits and eligibility depend on the policy.
About final expense insuranceWatch: Get to know Serene ↗
Personal guidance through Medicare and beyond
A person in your corner
Let us guide you through Medicare and beyond.
Meet Toby Ferguson, your independent agent in Ontario, California.
Insurance can feel complicated. Getting help shouldn’t. Toby listens to what matters to you, explains your options in plain language, and stays available after you enroll.
Toby comes to you for in-home appointments, or meets by phone and video across California, Nevada and Arizona.
More about TobyLooking ahead · 2027 Medicare coverage
A new year deserves a fresh look at your Medicare plan.
Know the dates, understand confirmed Part D changes, and get ready to compare your doctors, prescriptions and costs.
Explore the 2027 enrollment guideAnnual Enrollment for 2027 coverage
October 15 – December 7
2026 enrollment · January 1, 2027 coverage
Local guidance for Ontario and the Inland Empire, with appointments across California, Nevada and Arizona.
Free Medicare guide
Are you making these three Medicare mistakes?
A few minutes now can help you ask better questions about your coverage.
Read the free guideNo sign-up needed. Read it right here.
01
Letting your plan renew without a review
Your needs and your plan can change from one year to the next.
02
Missing your enrollment window
Find out when to enroll so you can avoid gaps and late penalties.
03
Choosing on premium alone
Look at the full picture, including copays and prescription costs.
Here to make it easier
Start with a conversation.
- 1
Tell us what matters
Your doctors, prescriptions, budget, and the questions keeping you up at night.
- 2
Understand your options
We walk through coverage and costs together, at a pace that works for you.
- 3
Keep us in your corner
From enrollment paperwork to questions later on, you have someone to call.
Let’s take the next step, together.
Have a question about Medicare or protecting your family? Request a free, no-obligation consultation with Toby.
Prefer to talk now? Call.
866-660-4141Toby comes to you for in-home appointments, or meets by phone and video across California, Nevada and Arizona.