Your Trusted Health Insurance Advisor.
Real experience. Real care. A real person who picks up the phone.
For 25 years I’ve helped families and seniors understand their options. I compare plans around your doctors, prescriptions, and budget. Working with me costs you nothing.
What do you need help with?
Choose one. It takes about a minute, and there is no obligation.
MedicareTurning 65, plan changes, supplements, drug plans Health insurance for me or my familyUnder 65, self-employed, or between jobs Benefits for my businessGroup health for small and mid-size teamsOne advisor for your insurance needs
Whether you’re turning 65, shopping for your family, or covering a team, you get the same personal service.
Medicare
Medicare Advantage, Medicare Supplement and drug plans, checked against your exact doctors and prescriptions.
- Turning 65 timeline and checklist
- Plan ending or changing in 2027
- Yearly plan review
Individual & family health
For people under 65, the self-employed, and families. We compare plans by your doctors, prescriptions and monthly budget.
- Coverage for you and your family
- Losing job-based coverage
- Check your doctors and drugs first
Business benefits
Group health and benefits plans for small and mid-size businesses and the people who work there.
- Group health plans
- Life insurance and retirement income planning
- Plain-English guidance for you and your team
You’re a person, not a policy number.
Honest
I explain the benefits and the trade-offs of every plan, even when it isn’t the easy answer.
Patient
Insurance is confusing. I’ll go as slowly as you need and answer every question.
Here for you
After you enroll, I’m still a phone call away, all year, not just at sign-up.
Hi, I’m Rafael E. Mendoza.
I started my career at a Fortune 100 company, explaining coverage to members and working through claim denials. I saw firsthand how confusing insurance can be, and how much it matters to have someone who knows how the system really works.
Over 25 years I’ve helped more than 15,000 clients with Medicare, group health, life insurance and retirement income planning. I’ll explain your options clearly, then help you choose what fits your life, and I’m still here after you enroll.
How it works
Tell me what you need
Choose your situation and leave a number. It takes about a minute.
I compare your options
I call you, then check the plans I offer against your doctors, prescriptions and budget.
You choose, I stay with you
I explain the trade-offs and help you enroll. You can call me anytime with questions.
Plus the protection around it
One advisor for the rest of your plan, so you never have to start over with a stranger.
Hospital indemnity
Cash benefits for covered hospital stays, to help with copays and other expenses.
Learn how it works ›Life insurance & final expense
Protect the people you love and plan ahead for the costs they would face.
Talk with Rafael ›Retirement income & annuities
Options designed to help your savings last as long as you do.
Talk with Rafael ›Common questions
Does it cost anything to work with you?
No. Licensed agents are paid by the insurance companies, and a plan’s premium is the same whether you enroll with me, on your own, or with another agent.
What does an independent agent do?
An independent agent is contracted with several insurance companies instead of just one. I compare the plans I offer in your area against your doctors, prescriptions and budget, explain the trade-offs, and help you enroll. I do not offer every plan available in your area.
When should I start looking at Medicare?
About 6 months before your 65th birthday is ideal. Your Initial Enrollment Period lasts 7 months: the 3 months before your birthday month, your birthday month, and the 3 months after.
Do you help in Spanish?
Yes. I speak English and Spanish, and I can review your options with you or your family in either language. Sí, hablamos español.
Not sure where to start?
Tell me what’s going on and I’ll point you in the right direction. It’s free, and there’s no pressure.