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Confused About Medicare?

We Gotcha’ Covered!

Let’s Connect!

All information will be kept strictly confidential and will never be shared or sold without your permission.

Medicare rules can change every year. Doctors change or retire, networks get dropped, appointments get pushed back, co-pays increase and what used to be smooth becomes frustrating.

At Lifeguard, we’ve heard it all and know there’s more to come.

We pride ourselves in being experienced, no-BS broker-advocates. Not only shopping and customizing the best plans for your situation but making high-level connections with carrier troubleshooters to solve your problems quickly, which keeps you from wasting time holding for answers.

“The three words to describe your service, excellent, professional and informative. I highly recommend your service to all of my family and friends.” Ernestine B, TX

Want a smoother Medicare experience? Yeah, We Gotcha’ Covered!

Have These Ever Concerned You?

Seniors often have various concerns regarding Medicare coverage.

Here are 10 common ones:

Costs

Many seniors worry about the out-of-pocket expenses associated with Medicare, including premiums, deductibles, and copayments.
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Complexity

The complexity of Medicare plans, options, and enrollment processes can be overwhelming for seniors, leading to confusion and stress.

Prescription Drug Coverage

Seniors often worry about the cost of prescription drugs, especially if they fall into the Medicare Part D “donut hole” coverage gap.

Changes in Coverage

Worries about changes in Medicare coverage, including policy changes, updates to benefits, and potential cuts to services.
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Future of Medicare

Uncertainty about the future of Medicare, including its financial sustainability, potential changes to the program, and the impact of political decisions on benefits and coverage.
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Coverage Gaps

Concerns about what Medicare doesn’t cover, such as dental, vision, hearing, and long-term care services, can be significant for seniors.

Access to Providers

Limited access to healthcare providers, particularly specialists, within Medicare networks can be a concern, especially in rural areas.

Quality of Care

Concerns about the quality of care within the Medicare system, including issues like long wait times for appointments and the ability to see preferred doctors.
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Medicare Fraud and Abuse

Fear of falling victim to Medicare fraud or abuse, such as identity theft, billing scams, or unnecessary medical treatments.

Medicare Advantage Plans

Some seniors may have concerns about the limitations and restrictions of Medicare Advantage plans compared to traditional Medicare.

Along with these major concerns, Medicare seniors suffer from the following

Your premiums increase
You get a bill you didn’t incur
Agent won’t return your calls
Your doctor leaves the network
You spend hours on hold
You get constant calls to switch your plan
Your problem feels hopeless
You can’t get the meds you need
Doctor can’t see you for weeks
Your costs for meds increase

How We Can Help!

The above concerns can vary based on individual circumstances and preferences, but they reflect common themes among seniors navigating the complexities of Medicare coverage.

Our goal is to help you navigate these concerns with simplicity, accuracy and speed.

My team takes charge of your problem and can help expedite quick solutions. We make solid connections with movers within the carriers which are integral to solving problems and frustration. No additional fees are necessary, but we love referrals for a job well done!
This is a major reason why many consider Lifeguard Insurance Services their Agent For Life!

Free Consultation – No Pressure

What Our Clients Say

Kal Came To My Rescue

I’m over 80 years old. When I needed new healthcare insurance, things were super confusing! Kal Reece came to my rescue. He made it possible for me to get new insurance for myself and my wife in a very short time and did a great job of helping us understand the transition. Kal kept it simple and I recommend him to all my friends and family.

R. Young, CA

My Insurance Guy - Super Efficient!

Before meeting Kal, I had talked to a person who came to the house but it was clear she had intentions for me to sign up then as opposed to just “explaining” the various programs like I thought. I was later recommended to Kal by a trusted friend and after assessing my needs he put me with a GREAT plan! Kal took ALL the frustration out of the selection, and I’ve had it for almost 4 years including hearing aids and glasses. The care has been excellent, my meds have been free along with a host of over-the-counter supplements. Simply amazing to have Kal as a concierge! He is honest and so real about helping and answering my questions at any time, and finding nearby doctors. We did it all over the phone. You can tell he really enjoys his work.
Denise S, CA

Happy Camper!

I met Kal Reece in September 2021. He came to my senior apartment building and explained how he could help seniors with their Medicare concerns and choose the best possible medical insurance for their particular health needs. I was unhappy with my current medical insurance, because they were not meeting my health needs at that time. I told him specifics of what I wanted an insurance plan to cover based on my health requirements. Kal did all the research and presented me with three possible plans. After reviewing them together, looking at all the pros and cons, I decided on a plan that would best suit all of my needs. I have been very happy with my choice and I have continued to stay with it for almost 4 years now. Whenever I have questions, I can count on Kal to call or text me back with answers. I have recommended him to a number of relatives and friends and they have all been very, very happy with Kal’s services.
Willi S, CA

Highly Recommended!

When I first received my Medicare notice and the options it was offering, I wanted to scream! I could not decide and most people have no doubt felt the same. Friends recommended Kal so I gave him a call. Not only did he quickly respond but provided me with a simple document that described each plan where I was able to make an informed choice. Since that time, Kal has guided me through the process, helped me with my healthcare plan as well as locate a quality physician in my local community! He is also on top of current events regarding Medicare, which I appreciate. I recommend Kal to everyone, just give him a call and discover his Medicare expertise and willingness to go that extra mile for you!!
Virginia T, CA

Kal Cares

Kal I wanted to take a moment to thank you for helping me to navigate through this process. I have been adrift on these Medicare seas and have come to unfamiliar territories and you have been a chief source in helping me to gain footing and stability on this journey. The service you provide is a tremendous help to people like me and those who are not so sure just how to maneuver through all of this new area of our lives. Thank you for caring and sharing.
Mike G, WA

Till Next Time

Hi Kal, Just wanted to thank you for an informative presentation to our lower-income residents! Your presentation was informative and forthright. You provided us with important Medi-Medi updates, thoroughly explained the impact of the new Inflation Reduction Act, and answered all of the resident’s questions. I feel comfortable contacting you if any resident has any health plan issue or question. Thank you for providing us with your time and knowledge! We look forward to coordinating future presentations with you to serve the Wesley Terrace community. Eunice Gonzalez / Resident Service Coordinator

Eunice G, CA

Happy Holidays!

Want to thank you for helping me with my 2023 Medicare needs and setting me up with a great plan! You took care of all my needs I will be passing your info to all my friends and family so you can sign them up when they come of age. Thanks again for your service. Happy holidays and Happy New Year!
Tom G, FL

Three Words For You

The three words to describe your service, excellent, professional and informative. I highly recommend your service to all of my family and friends.
Ernestine B, TX

Talk To This Guy!

As a Lead Service Coordinator in San Diego, I work at Sorrento Tower Apartments with low-income seniors, with many having mobility issues. I oversee the care of over 200 residents. My time is valuable, usually spent fielding resident issues throughout my full work day. I know, when there is a Medicare health plan issue, I can depend on Kal to respond promptly. Mr. Reece has also demonstrated over the years working with him that he is responsible, friendly, knowledgeable in the field, hard-working, caring and trustworthy. Mr. Reece walks the residents through their questions, comments and concerns like an advocate fighting for them in the health field. He cares about his clients and wants them to successfully have all their needs met.I have been in this field for many years now and I have worked with many individuals.I am comfortable with Mr. Kal Reece and enjoy working with him and plan on continuing to partner with him at Sorrento Tower Apartments.
Tina B, CA

ABOUT KAL REECE

Kal Reece is the owner of Lifeguard Insurance Services, an independent agency that has worked with seniors and nationally known, A-rated insurance carriers since 2007.

Having witnessed his share of sickness, death, and the expenses that come with it, he came to realize many little-known ways to handle expenses, save money and alleviate grief for both clients and family members. Along the way, Kal has made life-long relationships with senior facilities, attorneys, health-service advocates, and mega-benefit insurance carriers. He has been interviewed by major networks and received the ‘America’s Top Planner’ designation in 2015.

Kal considers himself, and has been referred to, as a “natural problem-solver.” His diverse senior clientele includes vets, celebrities, retired teachers, CEO’s and low-income households, who rely on him for advice on Medicare planning, insurance, debt-elimination and retirement income planning.

Kal grew up in New York City in the early 1960s. He moved to LA in 1984 and settled in San Diego to avoid the traffic. His father served in Europe during World War 2 and left him with many lessons he likes to share with family, friends and clients alike. He thanks his mentors and a higher spirit for nurturing his talent to help others prepare for the unexpected.

In his spare time, Kal enjoys traveling, cooking, family, football, old movies and art collecting

CA LIC #0D20413

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Free Quotes - No Pressure

Frequently Asked Questions

What Medicare services do you work with?

We broker Supplements, Medicare Advantage, Dental, Vision and Hospital Indemnity plans.

At what age can I qualify for Medicare?

Usually, Americans over 64 1/2 and can qualify for Medicare. However, you can be much younger and qualify depending on certain health factors.

Will my plan benefits diminish with age?

They can, depending on market factors, carrier plans. However, the change will usually affect the entire group enrolled in that plan, regardless of age.

Can I be canceled?

Yes. If you do not pay your Pt B premium, or have a plan which charges additional premiums, and you fail to pay those premiums, you can be canceled.

What’s the difference between a Medicare Supplement and Medicare Advantage?

There are many, but suffice it to say that a Medicare Supplement can cover a much larger area and give you access to doctors and treatments you may not have access to with a Medicare Advantage plan. There is much more to this, so contact us for more information.

Do I really need to work with an agent?

No, but recent studies suggest that Medicare recipients are much better informed, feel more secure and are much happier with their plans using a personal agent or broker than doing it themselves.

I don’t understand Medicare very well, what can you do for me?

We get goosebumps talking about Medicare! The least we can do for you is aid in your understanding and take the weight off of decision-making.

What makes you different from other agencies?

Obviously, there are other Medicare agencies, so we go beyond by being available 24/7, returning calls usually within an hour and doing annual check-ups to ensure you’re still happy with things. Please read our case testimonials.

How can I check you out before I call?

Please go to the California Department of Insurance, and use the following link to review our tenure. https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch
Our license number is located under my photo, or just enter 0D20413 at the upper left.

Call Kal Now!

Get friendly advice and peace of mind, today

619 779 3264
lifeguardinsurance

We do not offer every plan in your area. Currently, we represent 11 organizations that offer 64 products in your area. Please contact Medicare.gov at 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

CA LIC #0D20413

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