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
111 Total Reviews (5.0)
June 30, 2025
I received service from Swain Health Insurance back in 2021 and had a wonderful experience then. I reached out to Swain Health Insurance recently, and John Swain's service was amazing again! He enrolled me in a health insurance that met my needs, and he always answers my questions in ways that I could better understand. John is an incredible, kind person, and I recommend his services to anyone who needs assistance with health insurance inquiries. Thank you for the continuous wonderful service you provide here at Swain Health Insurance Solution!
June 13, 2025
John was excellent! He was knowledgeable, patient, and took the time to clearly explain all the options. His guidance made the entire process smooth and stress-free. Highly recommend!
June 11, 2025
John is amazing. Our family has been struggling with the California health care system for months and he is guiding us through it. Knowledgeable, experienced and kind. Highly recommend.
June 3, 2025
John has great knowledge about insurance. He was prompt on answering calls, very professional, makes your search and enrollment for insurance very easy, and shares his expansive knowledge and experience of medical insurance. He is definitely the guy to go to! Enjoyed working with him.
April 8, 2025
The easiest, most pleasant experience/enrollment i have ever had doing anything healthcare related. John knew the system and the products/plans inside and out and couldn't of made it easier for me. If my actual medical care is half as good as this guy is, i'm golden! Thank you so much!
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.