Medicare can be Confusing
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We can also help you with Final Expense Life Insurance, just ask for a quote!
Get to know Zelaya Agency
My name is Janet Zelaya, and I live in California. I am a licensed insurance agent in California, Arizona, Texas, Ohio, Michigan, Maryland, Virginia, Florida, North Dakota, and South Carolina.
When I first began learning about Medicare in 2010, I quickly realized just how overwhelming it could be. Even as a licensed agent, the endless rules, deadlines, and plan options felt confusing. At one point, I questioned whether I would ever fully understand it—but that’s exactly when I realized why I needed to specialize in this area. If I, as a professional, found Medicare difficult, then individuals and families going through retirement transitions must find it even more stressful.
That realization became my purpose: to help people make sense of Medicare. My role goes beyond presenting options—I walk alongside my clients to simplify the process, ensure they clearly understand their choices, and ultimately feel confident in the plan they select.
My mission is simple: to protect families, fortunes, and futures by making Medicare easier to understand and manage. I believe that the right plan can provide more than just coverage—it can provide peace of mind during one of life’s biggest transitions.
In addition to Medicare, I also help my clients with Life Insurance, Final Expense planning, and strategies to protect their retirement from market loss while creating tax-favored solutions.
ATTENTION: New Medicare Beneficiaries
Why Medicare Planning Matters
The truth is, the Medicare plan you choose can have a major impact on your health, finances, and peace of mind. The right plan allows you to:
- Keep your trusted doctors and specialists in-network.
- Manage prescription drug costs effectively.
- Avoid unexpected out-of-pocket expenses that could strain your retirement budget.
- Adjust coverage as your health or lifestyle changes.
Every client’s needs are unique, and there is no one-size-fits-all solution. That’s why I take the time to get to know you, listen to your priorities, and guide you toward a plan that gives you both protection and confidence.
All Rights Reserved - Zelaya Agency
"We do not offer every plan available in your area. Currently we represent 10 organizations which offer 40 out of 50 plans in your area. Please contact
Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."