Ashley Watson, Medicare Insurance Broker
Ashley Watson
Watson Insurance SD
Medicare Broker Licensed in CA, MD, NE and WV
6+ Years of Experience
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San Diego, CA
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About Me
Hi, I’m Ashley! I’m an independent Medicare broker right here in San Diego County. I know Medicare can feel overwhelming, so my goal is to make it simple, answer your questions, and help you feel confident about your coverage.
I work with multiple Medicare insurance companies, which allows me to compare options based on what matters most to you—your doctors, prescriptions, budget, and individual needs.
One of my favorite parts of what I do is getting to know my clients personally. I’m local to San Diego and happy to meet in person throughout San Diego County, or we can talk by phone too—whatever is most comfortable for you.
And my help doesn’t stop after you enroll. I’m here year-round when questions come up or when it’s time to review your coverage again. I have a dedicated office available 7 days a week to help throughout the year.
No pressure, no confusing insurance talk—just friendly, personalized Medicare help from someone local.
If you have Medicare questions, I’d love to help! 😊
My Google Reviews
1 Total Reviews (5.0 )
July 30, 2026
Ashley Watson was a lifesaver with Medicare. She broke everything down simply, made sure all my meds were covered, and got me a lower price without making me feel rushed. She really cares about what you need. I can't recommend her enough!
Q&A with Ashley Watson
I switched to a new Part D plan and now half my meds require prior authorization. Why didn't anyone warn me this could happen?
Answer: I know how frustrating that is to go through that. This happens because the new insurance company uses these methods to control costs, encourage cheaper alternatives if available and manage safety. They also want the doctor to confirm it is medically necessary. You are often entitled to a one time 30 day supply refill to transition you while they work out the necessary authorizations.
Next step is to contact your doctor that prescribes the medication. Make them aware of the situation and follow up to make sure they have sent the necessary authorizations to the insurance company.
See if the plan is requiring Step Therapy. Sometimes they want you to try a cheaper alternative first or they are limiting the dosage and amount of the precription.
Last stop: Appeal the decision if they deny it. You can contact your insurance company to do this.
Hopefully it doesn't come to the last step but there are definitely options you have to get the meds you need.
Do Medicare and my UnitedHealthcare supplement cover monovision lenses with no out-of-pocket cost?
Answer: No, Medicare and UHC supplement do not cover this with zero out of pocket costs. They cover the standard monofocal lens surgery (after deductibles are met). At this time custom monovision upgrades do involve extra fees as it is considered an elective refractive upgrade.
Does Medicare cover hip replacement surgery?
Answer: Yes, Medicare does pay for hip replacement surgery. This is if your doctor proves it medically necessary.
Do capital gains from selling my home affect my Medicare premiums?
Answer: It depends. There is a 2 year look back and if you exceeded the IRMAA income limits you may have to pay more temporarily. The IRMAA decision is based on your income tax return filed 2 years ago. If you feel you should not owe the IRMAA surcharge, you may file an appeal with Social Security.
Does Medicare cover Dexcom continuous glucose monitors?
Answer: Yes it does. You must have a diagnosis of diabetes to get it and many times they will require that you are on insulin.
What are the reasons why I should work with a Medicare agent?
Answer: The best reason is you have someone that will guide you through your personal situation, listen and help you select the best plan based on your needs. In addition, you have someone to call if you encounter a problem or just need help using your benefits. It's great to be able to call a local person you know and trust for this and not having to call an 800 number, be on hold and talking to someone that may not know the local market.