Phil Goodge, Medicare Insurance Agent
Phil Goodge
State Farm
Medicare Agent Licensed in CA, AZ, NV and OR
20+ Years of Experience
Contact Details
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Location
Cathedral City, CA
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Phone
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Website
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LinkedIn
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Facebook
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Instagram
About Me
Hello! I'm Phil Goodge, CLU, ChFC, your trusted Medicare agent in AZ, CA, NV & OR through a State Farm Insurance office located in Cathedral City, CA. I have been helping people aging into Medicare or already on Medicare for 20 years. I'm passionate about taking the complexity out of Medicare and helping you understand the options you have with it, so you can select the ideal plan that caters to your individual needs and budget. All of my services are provided at no cost to you. Contact me to discuss your Medicare questions and needs and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
My Google Reviews
174 Total Reviews (4.8 )
April 24, 2026
Really easy to get my insurance. Isabel was super friendly, timely, and helpful!
April 24, 2026
Great Service Very Professional
April 17, 2026
Fay Haiden was extremely helpful, knowledgeable and quick at getting me information on my insurance needs. I’m happy with the service she provided! I would definitely work with her again on any future needs.
April 17, 2026
April 16, 2026
Quick response to my voicemail and Excellent customer service from Monica!
Q&A with Phil Goodge
I've heard about IRMAA affecting my Medicare premiums. How can I find out if it applies to me, and how does it work?
Answer: You can go to www.medicare.gov for the income tiers that could impact this surcharge or simply use Google to easily find this information. The concept is that Americans with high incomes will pay more for their Medicare benefits.
If I need long-term care in the future, how does Medicare fit into that plan, and what should I be doing now to prepare?
Answer: Medicare does not include benefits for long-term care assistance so it's important to have other plans for the potential cost of long-term care, which can be very expensive. A long-term care insurance policy is one way to obtain coverage, and another way is a Universal Life insurance policy with a long-term care rider. I am able to help with the life insurance option.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Neither one is inherently better. It depends on your unique situation, which is why working with a trained insurance agent can help guide you through the decision process.
So I heard something about Medicare drug costs being capped at $2,000 in 2025. Is that really happening or just talk?
Answer: It is a fact. This was a priority of the Biden Administration and as of 1/1/2025, pharmacy medication co-pays are now limited to $2000. Some other helpful changes have also occurred such as limited the cost of Insulin to $35 per month.
What should I do with my Medicare plan if I'm diagnosed with a rare disease requiring specialists?
Answer: It depends on what Medicare insurance plan you have (ie, Medicare with Supplement or have Medicare Advantage in place of Medicare). With the Supplement, you can go to the Specialist without prior approval provided they bill Medicare and if with Medicare Advantage, have your Primary Care Physician help you with a referral.
What do you like most about being a Medicare agent?
Answer: Of the various types of insurance I assist people with, I find Medicare insurance to be the most rewarding as people find it very confusing and appreciate it when I can bring clarity to their situation and guide them through the process of selecting the best plan for their unique needs.
Can Medicare pay for my groceries?
Answer: While Medicare helps a lot for medical-related expenses it is not designed to provide groceries. Some Medicare Advantage plans offer OTC medications and supplies which can be helpful to one's budget.