Meet Our Medicare Experts
Maricela Cisneros
Health, Life and Medicare Agent
Lic# 016883
Maricela is a young California entrepreneur who thrives on challenges, both her own and those of the people she works with. With over a decade of experience in the insurance marketplace, she has dedicated her career to serving the senior communities of the Inland Empire, specializing in Medicare Health Insurance solutions.
Interestingly, Maricela’s journey into the Medicare insurance segment began by accident. When her parents, Maria and Felix, were both turning 65 and preparing for retirement, they turned to her for guidance. At the time, Maricela was already an accomplished insurance professional, co-owner of Cisneros Insurance, one of the largest and most respected insurance agencies in the Inland Empire where she successfully sold life, health, and property & casualty insurance.
What began as a family favor soon evolved into a passion for helping seniors navigate the often-confusing world of Medicare, shaping the focus of her business and her mission today.
Today, Maricela is known for her hands-on approach, integrity, and genuine care for her clients. She believes that education is the foundation of great service, and she takes the time to explain every option so her clients feel confident and supported every step of the way. Her expertise, combined with her drive to continually improve, has made her a trusted advisor throughout the community.
Kimberly helps people navigate Medicare with confidence. She makes it easy to compare plans, find the right coverage, and understand your options without the stress.
She provides personalized guidance to help you feel informed and protected. Clients appreciate her patience, honesty, and approachable style, which makes the whole process simple and straightforward.
Ready to get started? Schedule your FREE Medicare plan review today and get expert guidance tailored to your needs.
Kimberly Izquierdo
Health and Medicare Agent
Lic# 0M28219
What Are My Medicare Options?
Medicare is a national health insurance program in the United States, established in 1965 under the Social Security Administration (SSA) and now administered by the Centers for Medicare & Medicaid Services (CMS). It provides essential health coverage for Americans aged 65 and older, as well as for certain younger individuals with qualifying disabilities, such as those diagnosed with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
At Better Together Insurance, we’re committed to helping you navigate your Medicare choices with confidence. Whether you’re enrolling for the first time or reviewing your current plan, our goal is to guide you toward coverage that fits your unique healthcare needs, lifestyle, and budget.
Our licensed agents take the time to explain your options clearly, that way you can make informed decisions and feel confident about your healthcare coverage every step of the way.
Medicare Part A
Often referred to as "hospital insurance," Part A is devoted to inpatient care, covering the costs of inpatient hospital stays, skilled nursing facility stays (if they meet specific criteria), home healthcare and hospice care.
Medicare Part B
Part B is sometimes referred to as "Medical Insurance." It covers outpatient expenses, including physician and nursing fees, as well as a range of services (such as x-rays, diagnostic tests, and renal dialysis) and some equipment.
Medicare Part C
Part C allows Medicare-covered benefits through private health plans that may also include extra benefits such as prescription drug coverage. In exchange for the benefits, coverage may be limited to network of providers.
Medicare Part D
Also known as Prescription Drug Coverage, Medicare Part D provides price breaks on prescription drugs for millions of Americans who enroll in Part D plans designed and administered by private health insurance companies.
Medicare Supplement (Medigap)
Medicare supplement (Medigap) is a supplemental coverage purchased by Original Medicare beneficiaries to cover out-of-pocket expenses (for Medicare-covered services) they would otherwise have to pay themselves. Ten different standardized plans are offered in most states, lettered A through N, providing different combinations of money-saving benefits (note that the current plans C and F, both of which cover the Part B deductible in full, will no longer be available to new enrollees after the end of 2021: people who already have those plans at that point will be able to keep them, but people who become newly-eligible for Medicare after the end of 2021 will no longer have access to a Medigap plan that covers that Part B deductible.
The most comprehensive Medigap alternative at that point, for newly eligible enrollees, will be Plan G, which is the same as Plan F except for the coverage the Part B deductible).
We're Here to Help
Choosing the right Medicare coverage can feel overwhelming, but you don’t have to do it alone. At Better Together Insurance, our mission is to make Medicare simple. We’ll help you compare your options, understand your benefits, and find a plan that meets your healthcare needs and budget.
Because when it comes to your health, it’s always Better Together!
Ready to explore your Medicare options? Set up your appointment up today!
📅 Schedule your FREE plan review with one of our licensed agents and get personalized guidance to help you make the best choice for your health and peace of mind.
👉 Call us today or click below to book your free consultation at No Cost, no obligation, just honest help from people who care.
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Contact Information
Phone
Address
(951) 888-2525
7145 Magnolia Ave Ste 100 Riverside, CA 92506