John Swain, Medicare Insurance Broker
John Swain
Swain Health Insurance Solutions
Medicare Broker Licensed in CA
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Orangevale, CA
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About Me
Medicare Health Plan Expert California
With over 30 years of dedicated experience, John Swain is your trusted expert in Medicare health plans. Based in the capital city of Sacramento, John has spent decades helping people navigate the complexities of Medicare, ensuring they find the best coverage for their unique needs. As a Certified Financial Planner (CFP®), he brings an added layer of expertise to his practice, blending financial planning with Medicare strategy to maximize your benefits and protect your future.
John’s passion for serving seniors and Medicare-eligible individuals is evident in every consultation. He understands that choosing the right Medicare plan can be overwhelming, and he is here to make it simple and stress-free. Whether you’re new to Medicare or looking to review your existing plan, John’s goal is to provide clear, personalized advice that empowers you to make informed decisions.
Ready to explore your Medicare options? Schedule a no-obligation appointment with John today by clicking the link below. Let him help you find peace of mind and the coverage you deserve.
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My Google Reviews
106 Total Reviews (5.0)
March 24, 2025
Dealing with John has been great. We have had serious issues with lost coverage by reed tape SNAFU and John has been patient and thorough in handling the problem. Highly recommend him.
December 28, 2024
I worked with John who assisted me with health plan coverage. He is the best, total professional.
December 17, 2024
John is very patient and knowlegable. He found me a great plan and saved me money. I wouldnt have been able to figure out without him, Thx John!
December 11, 2024
I've had a great experience with John in helping me navigate options for my family via covered California. John is very knowledgeable in the different healthcare plans and makes great recommendations on what is best suited for my family needs. He also makes the process of signing up extremely easy and takes on the admin work. We recently met for 2025 coverage and he saved me money!!! Can't say enough of my positive experience with John and it's no surprise others have had similar outcomes. Thanks John!
December 9, 2024
Fantastic experience. John was timely and helpful giving us all the information we needed to setup insurance and helping us navigate the complexity of the insurance system. Highly recommend.
October 29, 2024
John is a pleasure to work with. He is very knowledgeable, organized, and very responsive with any request for information or clarification. I would not hesitate to recommend him for any Medicare or Covered California plan assistance
Q&A with John Swain
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: Great question! Turning 65 is a big deal, and making the right moves with Medicare can save you money and make sure you have the coverage you need. Here’s what you should do:
Step 1: Figure Out If You Need to Sign Up
• If you’re already getting Social Security benefits, you’ll be automatically enrolled in Medicare Part A (hospital coverage) and Part B (medical coverage). Your Medicare card should show up in the mail about three months before your birthday.
• If you aren’t getting Social Security yet, you’ll need to sign up yourself through the Social Security Administration at www.ssa.gov or by calling 1-800-772-1213.
Step 2: Decide If You Need Part B Right Away
• If you’re still working and have health insurance through your job (or your spouse’s job), you might be able to delay Part B without penalties.
• If you don’t have employer coverage, you should go ahead and sign up for Part B to avoid late fees.
Step 3: Look at Additional Coverage Options
Original Medicare (Parts A & B) covers hospital and doctor visits, but it doesn’t cover prescriptions, dental, vision, or hearing. You’ll need to decide between these two options for extra coverage:
1. Medicare Supplement (Medigap) + Part D (Drug Plan) – Medigap helps cover out-of-pocket costs like copays and deductibles, and Part D covers prescriptions.
2. Medicare Advantage (Part C) – A private insurance plan that bundles Parts A, B, and often includes drug coverage, dental, vision, and more.
Step 4: Compare Plans & Costs
• Medicare plans and prices vary depending on where you live. You can check options at www.medicare.gov.
• Or, if you want personalized help, a licensed Medicare agent (like me!) can go over your options at no cost to you.
Step 5: Enroll on Time!
Your Initial Enrollment Period (IEP) is 7 months long:
✅ 3 months before your 65th birthday
✅ Your birthday month
✅ 3 months after your birthday
If you miss your deadline and don’t qualify for a special enrollment period, you might have to pay lifelong penalti
How do you educate clients who are completely new to Medicare?
Answer: I start by having clients fill out a short questionnaire so I can understand their doctors, prescriptions, and healthcare needs. From there, I walk them through Medicare basics and break down their best plan options based on coverage and cost. My goal is to make Medicare simple and ensure they get the right plan for their needs.