Medicare Agent Serving Temecula & Murrieta
Talk to a licensed local agent today. Free, no obligation. Se habla español.
Cesar Ramirez · Licensed since 2018 · CA License #0M47591 · Covered California Certified Agent · Se habla español
Medicare doesn’t have to be confusing. I’ll help you compare plans around your doctors, prescriptions and budget, one on one, by phone or in person in the Temecula Valley. I’m Cesar Ramirez, a licensed insurance agent since 2018. I represent UnitedHealthcare and offer several Medicare plan options.
Medicare Annual Enrollment runs October 15 – December 7. Changes you make take effect January 1.
Meet Cesar
Hi, I’m Cesar Ramirez. I’ve been a licensed California insurance agent since 2018 (CA License #0M47591), and I’m appointed with UnitedHealthcare. I’m local to the Temecula Valley and work with families in Temecula, Murrieta and the surrounding communities. I’m passionate about helping families understand their options and choose coverage that protects the people they love, without call-center pressure. I’m happy to help in English or Spanish, by phone or in person locally. Se habla español.
How I can help
- Turning 65? Understand Parts A, B, C and D and when to enroll so you avoid late penalties.
- Medicare Advantage (Part C): Compare the plans I offer in your county.
- Medicare Supplement (Medigap): Understand how supplement plans work with Original Medicare.
- Part D prescription drug plans: Check your medications against plan formularies.
- Annual review: Every year, see whether your current plan still fits.
Questions about your Medicare options? Call now. Se habla español.
How it works
- Talk: a free, no-obligation consultation by phone or in person.
- Compare: we review the plans I offer against your doctors and prescriptions.
- Enroll and get support: I help with enrollment and stay your local contact afterward.
Talk to a licensed local agent today. Free, no obligation. Se habla español.
What clients say
Read what clients say about working with Cesar on our Google reviews.
Service area
Serving Medicare beneficiaries in Temecula, Murrieta, Menifee, Lake Elsinore, Wildomar and across Southwest Riverside County. Phone appointments are available statewide in California.
Local, licensed and a phone call away. Se habla español.
Frequently asked questions
Is the call free?
Yes. The call and the consultation are free, with no obligation to enroll or buy anything. Call Cesar at 760-297-0366.
Can I talk to you in Spanish?
Sí. Se habla español. Cesar is happy to help you in English or Spanish.
Does it cost more to use an agent?
No. Plan premiums are the same whether you enroll with an agent or on your own.
When can I change my Medicare plan?
During Annual Enrollment (Oct 15 – Dec 7), during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31, for people already in a Medicare Advantage plan), or during a Special Enrollment Period if you qualify.
I’m turning 65. When should I start?
Your Initial Enrollment Period is the 7 months around your 65th birthday month. Starting about 3 months early gives you the most options.
Can you check whether my doctors and prescriptions are covered?
Yes. We review provider networks and drug formularies for the plans I offer before you choose.
Which plans do you offer?
I represent UnitedHealthcare and offer several plan options. The right fit depends on your doctors, prescriptions and budget. For information on all of your options, you can also contact Medicare.gov or 1-800-MEDICARE.
Ready to review your Medicare options? Call Cesar today. Se habla español.
Cesar Ramirez represents UnitedHealthcare and offers several Medicare plan options. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP; in California, HICAP at 1-800-434-0222) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program. Cesar Ramirez, licensed insurance agent, CA License #0M47591. Covered California Certified Agent. Temeku Insurance · 760-297-0366.
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