To speak with a licensed agent, call 949-812-5605 (TTY 711 M-F, 9am-5pm) or email Tk4seniors@gmail.com

TKS Health Insurance Solutions

Your Comprehensive Guide
to Medicare Benefits

Information, Coverage Options,
and No-Cost Enrollment Assistance

Are You New To Medicare?

Not Sure Where to Begin?

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.

Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area for free assistance.

Begin by Enrolling in Our Medicare Essentials Video Quick-Course:

This video tutorial covers the basic elements of Medicare in a format that is easy to understand and you can watch it from the comfort of your home!  It’s yours at no cost and no obligation, just tell us where we should send it!







      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Get Free and Friendly
      Medicare Help Now

      Our licensed agents offer Medicare enrollment assistance
      at no cost and no obligation!


      Medicare Resources:
      What You Need to Know

      From Dollars to “Donuts”…


      Getting Started

      Answers to common questions such as: When should you enroll?  How and when do you become eligible for Medicare?

      Enrollment Periods

      After your initial enrollment, Medicare allows you to make changes to your coverage at specific times each year. Here are those dates.

      Defining the ABC’s

      Medicare consists of Parts A, B, C, and D.   Step one is to learn the “ABC’s”, how they work, and your options with each part.

      Advantage Plans

      Medicare Advantage Plans are provided by private insurance companies and can often save you money.

      Supplement Plans

      Insurance sold by private insurance companies to cover Medicare’s gaps.  Also called “MediGap” plans.

      Medicare Part D

      Medicare’s Part D is coverage for your medication needs and is provided by private insurance carriers. We’ll explain exactly how it works.

      Medicare’s “Donut Hole”

      This situation creates a coverage gap for some beneficiaries as they reach their annual coverage limits and have to pay more out-of-pocket.

      Special Needs Plans

      SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

      Frequently Asked Questions


      How do I apply for Medicare?

      How do I apply for a Medicare Advantage or Supplement Plan?

      Can I apply for Medicare in person?

      Can I get assistance applying for Medicare?

      When should I apply for Medicare?

      What if I missed my Initial Enrollment Period?

      Are there penalties for enrolling late?

      When do I get my Medicare card?

      Testimonials

      Here’s what clients say about Teresa…


      Teresa is a consummate professional in every way. She made understanding the Medicare insurance nightmare so palatable. Her explanations were clear and concise. We thought we had to sit through presentations after presentations with every medical insurance company….NOPE, Teresa came to our home, NO CHARGE, NO FEE, totally gratis. …

      Read More


      Sandy C.

      Teresa is a consummate professional in every way. She made understanding the Medicare insurance nightmare so palatable. Her explanations were clear and concise. We thought we had to sit through presentations after presentations with every medical insurance company….NOPE, Teresa came to our home, NO CHARGE, NO FEE, totally gratis. Each year she reviews our ever changing medical needs and prescription needs then helps us determine the best insurance to fit our individual needs. Be sure to call her, you will be so happy you did. She is there to assist you year round, anytime you are unsure or confused she will be there to help you.


      Sandy C.

      When the grandparents needed health insurance Teresa went above and beyond for absolutely no cost whatsoever! The way she helped guide them towards the best insurance plan for their needs made the experience very smooth and comforting for them!

      I highly recommend her for senior health insurance!


      Chris B.

      Teresa has been our health insurance go-to person for several years and we can’t speak highly enough of her. She pays attention to your needs, knows what she is talking about, and has kept us up-to-date on whatever is important for us to know. The five stars are well-deserved.


      Susi O.

      I needed to sign up for Medicare. I originally contacted a broker recommended to me by a friend. That agent didn’t respond in a timely manner and when they did they said they would contact me at a later date to meet but never followed up.

      Read More


      Paul H.

      I needed to sign up for Medicare. I originally contacted a broker recommended to me by a friend. That agent didn’t respond in a timely manner and when they did they said they would contact me at a later date to meet but never followed up.

      I found Teresa on Yelp and she had great reviews. Once I reached out to her, she made contact with me right away. She said that we should meet sometime in May and kept in contact with me. We made an appointment for today, still 2 months from when I will be eligible for Medicare.

      Teresa was early to the appointment. She explained how Medicare worked and answered all of my questions, and some from my wife as well. She guided me to the right Medicare product and signed me up. It was all very–for me–easy and stress free. I should be receiving my insurance card in about two weeks.

      Teresa is knowledgeable, efficient, organized, and with boundless energy. I highly recommend her and she will continue to be my agent for all of my Medicare and health care needs.


      Paul H.

      Teresa is always there when you need help or advice. She has been my agent of choice for many years and I highly recommend her agency to all my associates.


      Wendy R.

      Teresa has a wealth of insurance knowledge and set us up with the right plan right away. As times change she has the right advice and always keeps Us on top of any changes that happen. I highly recommend her.


      Kerry W.

      I cannot recommend Teresa enough. We needed help enrolling in Medicare and she went above and beyond to guide us through the process. She is very knowledgeable, and was able to clearly outline the different options and insurance plans. She was also very patient and kind while we asked lots of questions throughout the process. To whoever…

      Read More


      Ami Y.

      I cannot recommend Teresa enough. We needed help enrolling in Medicare and she went above and beyond to guide us through the process. She is very knowledgeable, and was able to clearly outline the different options and insurance plans. She was also very patient and kind while we asked lots of questions throughout the process. To whoever reads this, Teresa is THE person to trust in guiding you though the Medicare enrollment process!


      Ami Y.

      If anyone is in need of an excellent health care advisor/ representative; I would strongly suggest you consider Teresa.

      Read More


      Peter M.

      If anyone is in need of an excellent health care advisor/ representative; I would strongly suggest you consider Teresa.

      Her knowledge of the issues and programs is very comprehensive and Teresa can pair it down into easy to understand English.

      Whenever I’ve had a question and needed to contact her she has been readily available to help. She does what she says and never leaves you hanging. She’s a go-getter so if this is the type of representative you need then give Teresa a call.


      Peter M.

      Articles and Information


      4 Things You Should Do to Protect Yourself From Medicare Scams

      Scammers often target Medicare beneficiaries to steal their personal information, Medicare numbers, and even their money. Here’s what you need to know.

      Read More

      Why Medicare Advantage Plans are Popular with Many Beneficiaries

      Medicare Advantage plans are becoming increasingly popular among beneficiaries for several compelling reasons. Here’s why…

      Read More

      Staying Sharp in Retirement: Activities to Keep Your Mind Active and Engaged

      By incorporating these brain-healthy habits into your retirement routine, you can keep your mind sharp and engaged for years to come!

      Read More

      How Prescription Drugs Can Affect Your Memory

      Certain prescription drugs can interfere with our memory processes, and understanding these medications and their potential impact is crucial for maintaining cognitive health.

      Read More

      Tips for Reviewing and Updating Your Retirement Plan

      Retirement planning is an ongoing process, and regular reviews and adjustments are essential for long-term financial success. Here is a checklist of items to review regularly.

      Read More

      Q&A About Insulin Price Changes

      A new law aimed at reducing prescription drug costs for millions of Medicare beneficiaries has introduced a significant provision for insulin.

      Read More

      Top Health Screenings for Seniors: What You Need to Know

      Regular health screenings become increasingly vital as we age to detect and manage potential health issues before they become serious….

      Read More

      Understanding Your Options for Medicare and Long-Term Care

      Understanding Medicare’s limitations regarding long-term care is crucial for effective planning. Contact us if you have any questions or if we can be of assistance.

      Read More

      8 Tips for Preventing and Coping with Osteoporosis

      Are you concerned with osteoporosis? Talk to your primary care physician about your concerns and they can recommend important screenings and other measures to protect your bone and overall health.

      Read More

      Read Additional Articles

      Join Our Newsletter List

      Twice each month we deliver health tips straight to your email inbox. Try it, we think you’ll like it!

      You can unsubscribe at any time.







          We do not share your data with anybody, and only use it for its intended purpose
          Close Accessibility Tools
          Accessibility Controls Reset
          Content Adjustments
          Font Size

          Default

          Line Height

          Default

          Content Scaling

          Default

          Highlight Titles
          Highlight Links
          Highlight Forms
          Align Left
          Align Center
          Align Right
          Focus Mode
          Color Adjustments
          Desaturate
          Monochrome
          Contrast

          Default

          Saturation

          Default

          Accessibility Statement

          Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

          We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

          If you wish to contact this website's owner, please use the contact form on the website.

          Our User Interface Adjustment Options

          Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

          Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

          Content highlighting - Users can prioritize key elements such as links, forms, and titles.

          Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

          Close