Maureen McKenna, Medicare Insurance Agent

About Me

Confused by Medicare? Let’s Simplify It – Together.

With 35+ years in health insurance and a deep focus on Medicare, I’m a licensed independent agent serving California and several other states. Being independent means I work for you — not the insurance companies — giving you clear, unbiased advice tailored to your needs.

My approach is simple:

✅ Educate you on Medicare basics.

✅ Help you enroll at the right time (and avoid costly penalties).

✅ Match you with a plan that fits your doctors, prescriptions, lifestyle, and budget.

If you’re turning 65 or leaving an employer plan, you’ve probably already asked friends, family, and neighbors — and still feel stuck. You’re not alone. Medicare is complicated, but with the right guide, it doesn’t have to be.

Don't risk expensive mistakes. Call a trusted professional who can simplify the Medicare maze and give you confidence in your next steps.

📞 Call me today — and let’s get it done right!

Mo

858-829-3774

Get in touch with Maureen using this form

Q&A with Maureen McKenna

What are the reasons why I should work with a Medicare agent?

Answer: You will receive personalized guidance on your Medicare needs. My approach is educational to make sure that you know your options and understand your choices.

What's the most frustrating misconception you have to clear up with clients about Medicare every year?

Answer: What is the difference between a Physical and a Wellness difference and which is covered by Medicare if any.

I'm on Medicare but recently declared bankruptcy due to medical bills. How will this affect my coverage and options going forward?

Answer: You may have to file an appeal for your cost of Part B with SSA. You may now be eligible for MediCaid. You may be elgible for Medi-Medi plans if you are approved for MediCaid. Best option is to consult a dedicated Medicare Agent that will understand your needs and can guide you through the process.

I just moved to a new state. Do I need to do anything with my Medicare coverage?

Answer: Yes, you will have 60 days to make a change upon arrival into your new state. This will vary by the type of plan you are enrolled in. Consult with an agent to avoid any penalties and missing deadlines.

I just got a $300 bill for an ambulance ride I thought was covered. Am I the only one who didn't know Medicare doesn't pay for all emergency transport?

Answer: Medicare does pay for covered ambulance service but certain criteria must be met. There is a $257 Annual deductible for all medical costs that must be satisfied and a 20% coinsurance on all ambulance services. Consult with a licensed agent to find out what the criteria is that you have to meet in order for it to be a covered service. Supplement/MediGap pland and Advantage plans include coverage for Ambulance services as well.

I need a hearing aid but I've heard Medicare doesn't cover them. Is there any way around this?

Answer: Original Medicare (Parts A and B) does not include Hearing Aid Coverage. Medicare Advantage often times does but not all plans so check closely on the plan if you are enrolled into Advantage. Supplement plans typically do not include Hearing Aid coverage but may include a discount plan or a rider for purchase with certain carriers (in certain states only).

I'm on a fixed income and struggling to afford my medications. What's this Extra Help program I've heard about for Medicare Part D?

Answer: Extra Help is made available to lower income seniors on Medicare that require financial assistance to pay for their prescription drug costs. This may include: premium, deductibles, copays, etc. You must meet certain income requirements to qualify for this program and you can contact your local Medicare Agent or your local SSA office.