Coffee, Chat, and Medicare
An hour of coffee and real conversation. Bring any Medicare question. No slides. No pitch. Just neighbors and answers.
Port Hueneme sits next to Naval Base Ventura County. Many retirees here are eligible for TRICARE-for-Life, Medicare, and sometimes Medi-Cal at the same time — and almost no local broker takes the time to stack them correctly. Lourdes Simons explains how Medicare Part B becomes the primary payer at 65 for retired military, what TRICARE-for-Life picks up afterward, and how all of this works in Spanish or English.
Two community events near Port Hueneme 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, in most cases. To keep TRICARE-for-Life coverage after age 65 you must be enrolled in Medicare Part A and Part B. Medicare becomes the primary payer and TRICARE-for-Life acts as secondary, covering most of the gap. Lourdes confirms your specific situation in the first consultation.
Almost always no. TRICARE-for-Life already wraps around Original Medicare and most Medicare Advantage plans would replace or restrict that coordination. Lourdes will explain exactly why this is usually the wrong move for Port Hueneme veterans and when an exception applies.
Yes. Lourdes Simons is fully bilingual and serves the 93041 and 93033 ZIPs, including military families in South Oxnard. Spanish-first consults are available in person, by phone, or by video.
Your spouse usually stays on TRICARE Select or TRICARE Prime until they turn 65, then moves to TRICARE-for-Life with Medicare Parts A and B. Coordinating both spouses' timelines is one of the most common Port Hueneme retiree questions Lourdes handles.
Yes, if income and assets fall below the California limits. Many lower-rank retired enlisted families do qualify and gain access to D-SNP plans with extra benefits at $0 premium. Lourdes screens for this on every Port Hueneme call.
Bilingual Medicare guidance across the 805 and the north San Fernando Valley.