Turning 65 in Tracy? Let's make Medicare simple.
From downtown Tracy to Mountain House, Lathrop and Manteca, I help people who are turning 65 or who may qualify for a Medicare Special Needs Plan understand their options — one-on-one, in plain English.
Free consultation · No obligation · CA License # 0L68467
Serving 95304 · 95376 · 95377 · 95391 · 95330 · 95336 · 95337
Personal Medicare guidance for Tracy & nearby communities
Tracy and its neighbors — Mountain House, Lathrop and Manteca — are home to long-time Valley families and many newcomers from the Bay Area. Whether you've been here for decades or just moved in, when it's time for Medicare you deserve someone who takes the time to listen.
Whether you're approaching your 65th birthday or managing Medicare alongside Medi-Cal or a chronic condition, I'll walk you through how the plans I offer work with your doctors, prescriptions and budget.
A real person, not a call center
You work one-on-one with me, a California-licensed agent, from your first question to enrollment and beyond.
Meet from home
Phone or video appointments for Tracy-area families — at a time that works for you, no driving required.
No pressure, no cost to talk
My job is to explain your options clearly so you can make your own decision.
Family welcome
Bring a son, daughter or caregiver to the appointment — Medicare is a family conversation.
Turning 65 (T65) Roadmap
Your Medicare window is time-sensitive. Here's what we'll cover together.
- 1
3 months before your 65th birthday
Your Initial Enrollment Period opens. This is the best time to start reviewing your options.
- 2
Sign up for Part A & Part B
Through Social Security. If you already get Social Security benefits, you may be enrolled automatically.
- 3
Compare your coverage choices
Original Medicare with a Supplement and Part D, or a Medicare Advantage plan. We go through what fits your doctors, medications and budget.
- 4
Avoid late-enrollment penalties
Missing your window can mean lifelong penalties for Part B and Part D. We make sure your timing is right.
Medicare Special Needs Plans (SNPs)
Some Tracy-area residents may qualify for a plan designed around their specific needs. Learn more about each type:
D-SNP
Dual Eligible
For neighbors who have both Medicare and Medi-Cal.
Learn moreC-SNP
Chronic Condition
For people living with conditions like diabetes, heart failure or COPD.
Learn moreI-SNP
Institutional
For those in a nursing home or needing that level of care at home.
Learn moreSNP eligibility depends on your individual situation and the plans available in your area.
Let's talk, Tracy.
I'm Andres Trinidad, a California-licensed insurance agent helping families in Tracy, Mountain House, Lathrop and Manteca. Book a free, no-pressure phone or video appointment and we'll review your Medicare options together.
After you book, I will send you my Medicare intake form. Please complete and return it before our appointment. I need your intake form before we can discuss Medicare coverage options.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048), 24 hours a day/7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program. This website is operated by Andres Trinidad, a licensed insurance agent, and is not a government website. CA License # 0L68467. Enrollment in a plan may be limited to specific enrollment periods.
Photo credits (Wikimedia Commons): Tracy City Hall and Downtown Tracy by Mark E. Robertson (CC BY-SA 4.0); Altamont Pass Wind Farm by eric molina (CC BY 2.0); Tracy ACE station by Pedro Xing (CC0).