John Swain, CEBS, RPA, Medicare Insurance Broker
John Swain, CEBS, RPA
Swain Health Insurance Solutions
Medicare Broker Licensed in CA
36+ Years of Experience
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California
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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.
Directions to My Office
My Google Reviews
137 Total Reviews (5.0 )
May 26, 2026
John was great in helping me and my family navigate the health insurance marketplace. He walked me through our options and was an excellent guide along the way. Thanks John!
May 18, 2026
John was very informative and helpful in helping me make a decision on which way to go with Medicare for myself and my mother. I will definitely consult with him in the future and I highly recommend him
March 26, 2026
John was clear on his explanation of healthcare coverages and the process of enrolling was easy and fast. Thanks John!
March 11, 2026
John is exceptional at what he does. I don't go anywhere else for my health insurance needs. you can't go wrong with John
February 24, 2026
John is very professional, knowledgeable and friendly. He took the time to explain the differences between business and covered ca coverages and made the process simple. Highly recommend
Q&A with John Swain, CEBS, RPA
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.
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
• 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.
• 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