Independent Medicare Advisors
Medicare that fits your life.
Candor Medicare helps Medicare beneficiaries compare Medicare Advantage, Medicare Supplement (Medigap), and Part D plans by their doctors, prescriptions, and pharmacy, at no cost to them.
“When you reach out to Candor, you talk to me, not a call center.”
What’s it like working with Candor Medicare?
No call center, no scripts. You work with one licensed advisor from the first conversation through enrollment, and after.
Understand your needs
Our first interaction is a conversation about you: your doctors and clinics, your prescriptions, your pharmacy, your budget, and how you actually use care. We cannot recommend anything sensible until we know what has to stay the same in your life.
We do our homework
We compare the plans available in your county and present your options with PCP recommendations, cost estimates, drug coverage, pharmacies, and other benefits, side by side. Sometimes this means calling providers on your behalf and sorting out, before you enroll, whether you can go to the clinics and specialists you want and get the drugs you need.
You decide, we handle the paperwork
You pick with the full picture in front of you. We take care of the enrollment, confirm it goes through, and stay available after your coverage starts for questions, plan changes, and your annual review.
Which Medicare coverage is right for me?
This is the primary question we set out to answer for all of our clients, and it always starts with taking the time to understand your unique health, financial, and lifestyle situation. Typically, the choice comes down to Medicare Advantage vs. Medicare Supplement (Medigap).
Medicare Advantage plans bundle your coverage with appealing extra benefits like dental and vision at low or $0 plan premiums, making them an excellent fit if you are managing a tighter monthly budget and your providers are in-network. However, if those added perks aren’t a priority and your budget allows for higher monthly premiums, Medigap provides the ultimate freedom: you can see any doctor or specialist nationwide who accepts Medicare without network restrictions, referrals, or prior authorizations.
Compare plans and enroll with ease
Medicare changes can be stressful. New premiums, new drug lists, networks that move every year. We work with you throughout the process so you can enroll with confidence, knowing your doctors, drugs, and costs were checked before anything was filed.
Our offerings
As an independent agency, we can work with multiple carriers, so we compare the plans available in your county and you get the options that fit your needs.
Medicare Advantage
Private carrier plans that bundle hospital, medical, and usually prescription drug coverage, often with dental, vision, hearing, and fitness benefits built in.
Medigap (Medicare Supplement)
Pairs with Original Medicare so you can see any provider in the country who accepts Medicare patients, with more predictable out-of-pocket costs.
See California Medigap plansPart D
Standalone prescription drug plans for people on Original Medicare or Medigap, compared against your actual medication list.
See California Part D plansHow should I prepare for our first call?
A little preparation makes the first call do real work. Have these nearby and we can compare actual plans, not hypotheticals.
What to bring
- Your red, white, and blue Medicare card
- Your current plan information, if you are already enrolled
- A list of your doctors, clinics, and specialists
- A list of your prescriptions, with doses and how often you take them
- Your preferred pharmacy
- Anything about other coverage: employer, retiree, Medi-Cal, or VA
Before we discuss specific plans, we will confirm the scope of the appointment with you. That is a Medicare rule, and it protects you.
What people say about Candor Medicare
Improving lives through better Medicare decisions.
No plan is perfect for everyone. Candor Medicare, an independent Medicare agency founded by licensed agent Eric Ullrich (NPN 22200900), helps beneficiaries in Northern California and South Florida compare Medicare Advantage, Medicare Supplement (Medigap), and Part D plans by their doctors, prescriptions, pharmacy, and budget, at no cost to them.
Which Medicare carriers does Candor Medicare work with?
Candor Medicare compares Medicare Advantage, Medicare Supplement (Medigap), and Part D plans from multiple major carriers. Availability varies by county and ZIP code, and Candor checks the exact plan for your ZIP before you enroll. Candor is independent, not a carrier salesperson.
How does Candor Medicare check if a plan fits you?
Candor Medicare checks your specific doctors against a specific plan, not just a carrier, checks each prescription against the plan formulary, and compares premiums, copays, and pharmacy costs side by side. Candor explains the tradeoffs in plain language, including when Medigap fits better than Medicare Advantage because it works with any provider who accepts Original Medicare patients, and when your current plan is still the right one to keep.
Does Candor Medicare help after you enroll?
Yes. Candor Medicare reviews your coverage every fall during the Annual Enrollment Period, October 15 to December 7, and stays available year round if your doctors, prescriptions, or health needs change, so you are not left figuring it out alone.
Independent advice costs you nothing
We're independent advisors, not carrier salespeople. Our help costs you nothing — when you enroll, the carrier pays us. That means our only incentive is finding the plan that actually fits you, nothing else.