Penny Oliver, Medicare Insurance Broker

About Me

Welcome!

I’m a Licensed Sales Agent with Valley Capital Advisors, LLC, specializing in Medicare, healthcare, and retirement services. For more than 33 years, I’ve helped individuals and families navigate the insurance industry, and I understand that choosing Medicare coverage can sometimes feel overwhelming.

My goal is to make the process clear, comfortable, and personalized to your needs. I proudly serve Medicare clients throughout California’s Central Valley, including Stanislaus, Merced, and San Joaquin counties, as well as the foothills of Tuolumne and Calaveras counties.

Whether you’re turning 65, reviewing your options during the Annual Enrollment Period from October 15 through December 7, or experiencing a qualifying Special Enrollment Period, I’m here to provide guidance and support every step of the way.

I look forward to helping you understand your Medicare options and find coverage that fits your healthcare needs and retirement goals.