Serving Simi Valley & the San Fernando Valley

Your dedicated Medicare agent for every stage.

I help people approaching 65 — and people already on Medicare — navigate the system without guessing. I stay with my clients year after year, in English and in Spanish, at no cost.

Book a No-Cost Consultation Get the Turning 65 Guide
20+
Years of experience
75+
Plan options reviewed
$0
Cost for my services

The problem

Medicare is complex. Calling 1-800-MEDICARE means hours on hold. Missing a deadline can mean penalties that last a lifetime. And most brokers disappear after the sale.

The solution

A dedicated Medicare agent who knows the system because she lives it. I walk you through every step, and I stay with you long after enrollment. No surprises.

Lourdes Simons advising a client on Medicare options
Meet Lourdes

I became a dedicated agent because
I went through it myself.

When I signed up for Medicare, I experienced every frustration my clients face. Confusing letters. Unexpected Part B costs. A Part D penalty deadline I almost missed. That firsthand experience is what drives me to make sure no one goes through it alone.

I am a licensed and certified independent insurance agent, fluent in English and Spanish, serving families across the San Fernando Valley and Simi Valley. I represent 8 organizations with over 75 plan options, and my services come at no additional cost to you.

But what makes me different is simple: I stay. After enrollment, I remain your agent. When Medicare sends a letter you do not understand, you call me. When your Part B premium jumps, we figure it out together. That is the kind of support you deserve.

Real client scenario

A client received a letter from her health plan about her Part D coverage. The deadline had already passed. She did not understand what it meant.

We got on a call together with the health plan's member services. It turned out she had not enrolled in a Part D plan within 60 days of her Medicare start date, resulting in a $7/month penalty for the rest of her coverage.

Because I had gone through the same situation personally, I knew exactly what questions to ask and how to help her resolve it. We got it handled on a single call.

This is why having a dedicated agent matters. A broker sells you a plan. A dedicated agent helps you avoid $84/year penalties you did not even know existed.
The agent difference

Why a dedicated agent, not a broker

A broker helps you pick a plan. A dedicated agent helps you understand, enroll, and manage your Medicare coverage through every change and challenge.

Guidance that stays

I do not disappear after enrollment. When premiums change, benefits shift, or confusing letters arrive, I am a phone call away. My clients have a dedicated agent for the long term.

I make the calls with you

Nobody wants to sit on hold with Medicare or a health plan alone. When my clients need help, I get on the phone with member services right alongside them and advocate on their behalf.

I live the system I teach

I am on Medicare myself. I have dealt with Part B cost adjustments, Part D penalties, and appeals. The advice I give is not theoretical. It comes from real experience.

No cost for my services

As a licensed independent agent, my services come at no additional cost to you. I am compensated by the insurance carriers. You get expert guidance without a bill.

Fluida en espanol

Medicare is complicated enough in your first language. I provide consultations, explanations, and support in both English and Spanish so nothing gets lost in translation.

Local and personal

I serve families across Simi Valley, Moorpark, Thousand Oaks, and the greater San Fernando Valley. In-person appointments are available. You are not a number to me.

What I help with

Medicare plans and coverage

I review your situation, explain your options in plain language, and help you choose what fits your health needs and budget.

Medicare Advantage (Part C)

All-in-one plans that combine Part A, Part B, and usually Part D. Often include dental, vision, and hearing benefits.

Medicare Supplement (Medigap)

Plans that cover the gaps Original Medicare leaves behind, like copays, coinsurance, and deductibles. Predictable costs and freedom to see any doctor who accepts Medicare.

Part D Prescription Drug

Stand-alone prescription drug plans. I review your medications to find the plan with the lowest out-of-pocket cost for what you actually take.

Turning 65 enrollment

Approaching 65 is the most important enrollment window. I walk you through timelines, deadlines, and penalties to avoid so you start Medicare on the right foot.

Couples planning

Spouses often have different health needs and different timelines. I help couples coordinate their coverage so nothing falls through the cracks.

Appeals and advocacy

Denied claims. Penalty charges. Confusing letters from your health plan. I get on the phone with you and help resolve issues you should not have to handle alone.

Common questions

Frequently asked questions

If your question is not here, schedule a no-cost consultation and I will answer it personally.

Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after. Starting early gives you time to compare plans, understand costs, and avoid late enrollment penalties. I recommend reaching out at least six months before your 65th birthday.

No. My services are at no additional cost to you. I am a licensed independent insurance agent, and I am compensated by the insurance carriers when you enroll in a plan through me. The plan pricing is the same whether you enroll on your own or through me.

Missing a Medicare enrollment deadline can result in penalties that last for the duration of your coverage. For example, failing to enroll in a Part D plan within 60 days of eligibility can result in a monthly penalty of 1% of the base premium for every month you were without coverage. These penalties add up quickly, which is why working with a dedicated agent is so important.

Absolutely. Spouses frequently need different plans. I will review each person's medications, doctors, and health needs individually and then help you coordinate your coverage as a household. Many of my clients are couples planning their Medicare transition together.

When you call Medicare directly, you reach a different representative every time. They cannot give personalized recommendations, and hold times are often long. As your agent, I know your situation, answer your calls directly, and stay with you year after year. When you get a confusing letter or a billing issue, I handle it with you.

Yes. Soy completamente bilingue. I provide consultations, plan explanations, and ongoing support in both English and Spanish. Medicare is complex enough without a language barrier.

Get started

Are you or your spouse turning 65 in the next six months?

Schedule a no-cost, no-obligation consultation. I will review your situation, explain your options, and help you build a plan that fits. No pressure. No cost.

Calls for enrollment purposes may be recorded and retained in accordance with CMS requirements. Your information will not be shared or sold.

Or schedule directly on my calendar

Tambien ofrezco consultas completamente en espanol. Llamame para una consulta gratis.

323-673-7613
Lourdes Simons is a licensed insurance agent (CA License #4072266 · NPI 19713985) contracted with Syndicated Insurance Agency. This is a solicitation for insurance. Lourdes Simons Insurance is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) to get information on all of your options. Your local State Health Insurance Assistance Program (SHIP) at shiphelp.org can also help you compare options. Enrollment in a plan depends on the plan's contract renewal with Medicare. Every year, Medicare evaluates plans based on a 5-star rating system. Not all agents are licensed to sell all products. Service and product availability varies by state.
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