Coffee, Chat, and Medicare
An hour of coffee and real conversation. Bring any Medicare question. No slides. No pitch. Just neighbors and answers.
Oxnard is the largest Hispanic-majority city in Ventura County. Three out of four neighbors here speak Spanish at home, and far too many families have been pushed into the wrong Medicare plan by an agent who only translated a script instead of actually listening. Lourdes Simons is bilingual, lives 20 minutes away in Simi Valley, and stays with her clients all year long — not just during the October sales window.
Two community events near Oxnard this June. Drop in, bring questions, no pitch.
An hour of coffee and real conversation. Bring any Medicare question. No slides. No pitch. Just neighbors and answers.
A drop-in education evening covering the basics of Medicare and the choices most people face at 65 and after. Stop by any time during the window.
A licensed Medicare agent will reach out within one business day. Spanish or English.
Thank you! Lourdes will call you within one business day. If urgent, please dial 323-673-7613 directly.
Yes. Lourdes Simons is a fully bilingual licensed Medicare agent (CA License #4072266) who serves Oxnard ZIPs 93030, 93033, and 93036 and stays with clients all year, not just during AEP. Initial consultation is no-cost.
If your household income falls below the California Medi-Cal limits and you are also enrolled in Medicare (Parts A and B), you may qualify as 'dual-eligible' and pay $0 for many services. Lourdes screens for this on every Oxnard consultation.
Medicare Advantage (Part C) bundles your hospital, doctor, and usually drug coverage into one plan from a private carrier, often with extra benefits. Original Medicare + a Medigap supplement keeps Parts A and B and adds private coverage for what Medicare does not pay. Both are valid choices — the right one depends on your doctors, your prescriptions, and how often you travel.
Yes. Your Initial Enrollment Period is the 7-month window around your 65th birthday. Open Enrollment for Medicare Advantage and Part D runs October 15 to December 7 each year. Special Enrollment Periods exist for moving, losing employer coverage, or other qualifying events. Lourdes will tell you which window applies to you in your first consultation.
Nothing. Licensed Medicare agents are paid by the insurance carriers, not by you. Your premium is the same whether you enroll on your own or work with Lourdes. The value she adds is year-round help with appeals, formulary changes, and member-services calls — at no extra cost.
Bilingual Medicare guidance across the 805 and the north San Fernando Valley.