Medicare Help with Monica

When I first started this work as a Medicare Agent, I was also a substitute teacher and was helping my parents navigate Medicare, since they also turned 65. I’ve been doing this work for the past 10 years now, and understand the challenges of navigating Medicare.

Medicare doesn’t have to be overwhelming

If you’re turning 65, already on Medicare, or helping a loved one figure out their options, you’ve probably seen how confusing it can feel. You don’t have to navigate it alone. I offer no-cost, personalized consultations to help you understand your choices in plain language

How I Help
During our time together, we’ll walk through:

• The difference between Original Medicare, Medicare Advantage, and Medicare Supplement (Medigap) plans
• How prescription drug coverage works and how formularies, tiers, and preferred pharmacies can affect what you pay
• Enrollment periods and timelines, so you can avoid missing key dates or potential penalties
• What to review each year during the Annual Enrollment Period to see if your plan still fits your needs

My goal is not to rush you or “sell” you on a plan — it’s to help you feel informed, calm, and confident about your decisions.

Medicare Services

1. 1:1 Medicare Consultations
   A focused session (by phone or online) where we review your current situation, talk through your coverage options, and look at estimated premiums, co-pays, and benefits. Ideal for people new to Medicare or those wondering if they should stay where they are or explore changes.
2. Family & Caregiver Sessions
   Healthcare choices affect the whole family. I welcome adult children, spouses, and caregivers into the conversation so everyone hears the same information and can ask questions together.
3. Community Talks & Workshops
   I’m available for educational presentations at senior centers, churches, community groups, and organizations. Topics can include Medicare basics, important changes, and what to consider before and during Annual Enrollment.

You never pay me for a consultation. If you decide to enroll in a plan I represent, the insurance company compensates me — not you. My job is to help you understand your options so you can make the choice that feels right.

Monica W. Ly

Licensed Medicare Agent

CA Lic # 0k61712

Tel: 213-816-0228

Toll Free: 888-808-7646

Email: monicaly@ml-healthinsurance.com