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Your annual Medicare review

Does your Medicare coverage still fit your life?

Review your coverage for the year ahead with Toby Ferguson, a local licensed agent. We’ll talk through what matters to you and the details worth checking. If your current coverage still fits, we’ll tell you.

Request my annual reviewCall 866-660-4141

No obligation to change plans. Personal help from someone you can call again.

Toby Ferguson

Independent Life & Medicare Agent · CA license 0C11736

Based in Ontario. Helping neighbors in Upland, Rancho Cucamonga, Chino and nearby Inland Empire communities.

Get to know Toby →

Let’s take a look together.

Request a free, no-obligation review. Toby will contact you to arrange an appointment.

By submitting, you ask Toby Ferguson at Serene Insurance Solutions to contact you by your selected method about your request. There is no obligation to enroll or purchase insurance. Your request stays with Serene and is not sold or shared with other agents for marketing. This request is not a Medicare Scope of Appointment. You can ask us to stop marketing contact at any time. Privacy notice.

A conversation, at your pace

A little preparation. A clearer path forward.

  1. Tell Toby what has changed

    New doctors, different prescriptions, a change in your budget—or simply questions about next year. Start with what matters to you.

  2. Look at the full picture

    At your review, discuss available options, provider networks, prescription coverage and costs beyond the monthly premium.

  3. Decide with confidence

    Understand your next steps, whether that means keeping your coverage or applying for a suitable available plan during an eligible enrollment period.

Planning for 2027 coverage

October 15–December 7, 2026

Medicare Annual Enrollment is the time to review and change Medicare Advantage or Part D coverage. Changes generally take effect January 1, 2027.

An appointment request does not enroll you or meet the enrollment deadline. The plan must receive your enrollment request by December 7.

Enrollment dates at Medicare.gov ↗

Have these ready for your appointment

  • Your current coverage information
  • Your Annual Notice of Change, if you received one
  • A list of the doctors, prescriptions and pharmacies you want to discuss
  • Your questions about costs and coverage

Keep these details for your appointment. Ask Toby how to share sensitive information safely.

Before we talk

A few questions you may have.

Toby comes to you for in-home appointments, or meets by phone and video across California, Nevada and Arizona.

Request my annual review
Do I have to change my plan?

No. A review helps you understand whether your coverage still meets your needs. Keeping suitable coverage can be the right outcome.

Can I request help before October 15?

Yes. You can request an appointment and prepare your questions in advance. Next year’s plan information becomes available starting October 1. AEP enrollment requests begin October 15; other enrollment periods depend on your circumstances.

Does this review include every Medicare plan?

No. Toby represents a selection of insurers and plans. Available options depend on your location and circumstances, and he can explain what he represents during your conversation.

Is this the right place if I’m turning 65?

You’re welcome to ask here, but our turning-65 page focuses on first enrollment and employer-coverage timing. You do not need to wait for Annual Enrollment to ask about becoming eligible for Medicare.