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Sue Z's Medicare Options

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area agents for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Medicare’s “Donut Hole”

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Special Needs Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Allow Us to Save You Time and Money!

      We shop multiple carriers, help you to understand your options,
      and find you the best plans and lowest premiums based on your needs.


      Aetna
      Alignment Health Plans
      Anthem BlueCross
      Blue Shield of California
      Brand New Day
      Care More
      Central Health Plan of California
      Humana
      Inter Valley Health Plan
      SCAN Health Plan
      United Health Care

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Testimonials

      Here’s what our clients say about our service…


      I am so greatful that one of my friends put me in contact with Sue. She has been nothing less thsn spectacular. She guided me step by step through the process and sent me side by side comparisons with the health plans that I had asked about and was able to pick the plan that was best suited for my needs.

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      Richard S.

      I am so greatful that one of my friends put me in contact with Sue. She has been nothing less thsn spectacular. She guided me step by step through the process and sent me side by side comparisons with the health plans that I had asked about and was able to pick the plan that was best suited for my needs.

      I have been on Medicare since 2019 and she is very quick to respond to all my questions and keeps me updated with help tips for seniors that are very helpful. I have and will continue to recommend her. She’s the BEST!!!


      Richard S.

      I was recommended to Sue Z by a friend that just loved her and found her very helpful. I am now recommending to all that read this review the same. Sue Z actually came to my house and helped me navigate

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      Louise L.

      I was recommended to Sue Z by a friend that just loved her and found her very helpful. I am now recommending to all that read this review the same. Sue Z actually came to my house and helped me navigate
      Medicare and the supplemental policy. I could of never done this without her help. She explained in very simple terms the different options to chose from with experience, kindness and patience. Sue Z is incredibly responsive and believe it or not actually answers her phone!!!!

      The Medicare system is not easy to grasp, but SueZ knows her business and easily shared her knowledge. I feel she has my back.


      Louise L.

      When it was time to start planning my Medicare options I went to quite a few meetings. To say the least, the experience was stressful! I received lots of information but still was confused about what to do. I thought about the people I had gone to and decided Sue was the one that helped me understand my Medicare options completely. She…

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      Mary A.

      When it was time to start planning my Medicare options I went to quite a few meetings. To say the least, the experience was stressful! I received lots of information but still was confused about what to do. I thought about the people I had gone to and decided Sue was the one that helped me understand my Medicare options completely. She advises me of any Medicare changes coming up! She’s there for me!


      Mary A.

      Sue is a wonderful guide through the world of health care options, especially when we first qualified for Medicare. She provided information that was timely and accurate, in a manner that was easy for us to understand. In fact, I’m sure we would have struggled to make a decision on health care without her guidance and knowledge.

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      Susan R.

      Sue is a wonderful guide through the world of health care options, especially when we first qualified for Medicare. She provided information that was timely and accurate, in a manner that was easy for us to understand. In fact, I’m sure we would have struggled to make a decision on health care without her guidance and knowledge.

      We continue to source our health insurance with Sue and wouldn’t consider using anyone else. Her policy updates, careful review and assessment of the best coverage for our individual needs at the best price are all first rate.

      Whether you’re a newcomer or someone’s who’s been purchasing supplemental insurance for a while, you won’t go wrong if you use Sue’s services.


      Susan R.

      After having attended several Medicare seminars to learn more about it before turning 65, I attended Sue’s. I had no hesitation in choosing her going forward and have been completely pleased with my decision since.

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      Kathy J.

      After having attended several Medicare seminars to learn more about it before turning 65, I attended Sue’s. I had no hesitation in choosing her going forward and have been completely pleased with my decision since.

      Any time I have reached out with a question, and there are plenty, of course, she has been very responsive with nearly immediate replies and clear guidance.

      I feel completely confident and well supported with Sue as my contact and highly recommend her. It seems there is no question she can’t answer and even guides you on the questions you scarcely knew you had.

      It was my lucky day when I attended her meeting.


      Kathy J.

      Sue Zanayed goes over and beyond to assist you with understanding and signing up for Medicare and Supplemental Health Insurance. She assisted me and my husband every step of the way with our best interests at heart. She is quick to respond to our emails and voice messages as well.
      Thank You Sue for everything!


      Linda G.

      Sue Zanayed became best friend material from the moment I met her. I was turning 65 years old, and was already an overwhelmed caretaker for 2 parents, and a disabled sister. I was completely unprepared in regard to medicare and medicare options.

      Read More


      Deborah T.

      Sue Zanayed became best friend material from the moment I met her. I was turning 65 years old, and was already an overwhelmed caretaker for 2 parents, and a disabled sister. I was completely unprepared in regard to medicare and medicare options.

      Dealing with health insurance in the past had never been a pleasant situation. She made everything so easy. I am so pleased with the decisions that I made with Sue’s help. There were no sales pitches, nor manipulation to make certain choices. I felt very confident that Sue wanted what was best for me. She also helped me with my 91 year old mother’s medicare choices, and decisions that I was afraid to make on my own. It has been a huge and important improvement for my mom.

      I am still working with Sue, to help my sister be able to have the best medical care possible. Sue has gone over and beyond any expectations to help our family. I would refer her to my best of friends, and to anyone reading this. I thank Sue for her persistence, generosity of time, and sincerity.


      Deborah T.

      Sue is so informative and helpful. I can’t believe how much knowledge that she shares about all different kinds of medical plans. She explains everything clearly and patiently. Because, let’s face it , this insurance stuff is confusing. Sue went above and beyond for my situation and did a lot of research to help me with my situation. I…

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      Vanessa R.

      Sue is so informative and helpful. I can’t believe how much knowledge that she shares about all different kinds of medical plans. She explains everything clearly and patiently. Because, let’s face it , this insurance stuff is confusing. Sue went above and beyond for my situation and did a lot of research to help me with my situation. I am so happy she was referred to me! I would not go to anyone else!


      Vanessa R.

      Articles and Information


      Medicare’s Annual Election Period Begins on October 15

      The Medicare Annual Election Period (Open Enrollment) will begin on October 15 and run through December 7.

      Read More

      What You Can and Cannot Do During Medicare’s AEP

      Medicare’s Annual Enrollment Period arrives this month, on October 15, and will last through December 7. Now is the time…

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      Factors that Can Increase the Risk of Breast Cancer

      October is Breast Cancer Awareness month, a time to remind every woman of the importance of early screenings and diagnosis….

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      What’s the Difference Between a Medicare Advantage Plan and a Medicare Supplement Plan?

      When you first enroll in Medicare, you might find yourself overwhelmed with how many different options you face. Aside from…

      Read More

      Understanding the Signs of Kidney Disease

      9 out of 10 people with kidney disease don’t know they have it. That’s because the disease can produce relatively few or mild symptoms until you’ve reached more advanced stages.

      Read More

      6 Tips for Managing Acid Reflux

      If you frequently experience an uncomfortable burning sensation in your chest, sometimes accompanied by a bitter taste in your mouth,…

      Read More

      Can You Make Changes to Your Medicare Plan After AEP?

      Medicare’s Annual Election Period (AEP) is happening right now, and hopefully you’re taking advantage of this opportunity to evaluate your…

      Read More

      Medicare Supplement Plans: The Basics

      You first become eligible for Medicare when you reach age 65. Your enrollment window will begin three months before your…

      Read More

      How to Enjoy Holiday Meals Without Gaining Weight

      If you are trying to maintain a healthy lifestyle and avoid unnecessary weight gain, the holidays can present a challenge….

      Read More

      Read Additional Articles

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