Rick Plata – Authorized Independent Agent

 Free consultation by appointment only 

1255 W. Colton Ave. #501 
Redlands, Ca. 92374
1-888-391-0562 fax

3595 Van Buren Blvd. Suite #201
Riverside Ca. 92503
1-888-235-8060 fax
 Email: AdvisorRick@msn.com
  Ca. Insurance Lic. #0F10820  


We offer a wide range of insurance products that meet your needs. Here is a list of what we can do for you:


Choosing Medicare Health Insurance for Seniors

The Original Medicare Plan, or Part A and Part B coverage, is a federally managed fee-for-service plan. Beneficiaries can choose the doctor and hospital from which they would like to receive services. Monthly premiums, annual deductibles and co-payments for services are required. Prescription drug coverage, or Medicare Part D, may be added to the Original Medicare Plan. Many beneficiaries covered by the Original Medicare Plan find they also need the Medigap policy to help pay for services not covered by Part A and Part B.

Medicare Advantage Plans (Part C) provides Part A and Part B coverage, but this coverage is provided by private insurance companies that have been approved by Medicare. Because private companies provide this coverage, additional benefits may be available. Additionally, the amounts charged for various services may differ between providers. Part C plans may have networks, and the beneficiary will have to utilize the services of providers in the plan’s network. Prescription drug coverage is often included in this plan. Beneficiaries of Medicare Part C do not need to purchase Medigap coverage. When choosing a Medicare health plan it is important to determine what is expected from the insurance coverage. It would be advantageous for beneficiaries to compare and select coverage based on the plan that will best meet their individual needs.