Independent Medicare broker serving Santa Maria, Orcutt, Guadalupe, and the Santa Maria Valley. Compare Medicare Advantage, Medicare Supplement (Medigap), and Part D options — free, with no obligation.
Santa Maria residents can get free, one-on-one Medicare help from an independent licensed broker. Plan availability in northern Santa Barbara County often differs from the South Coast — the options in Santa Maria aren't always the same as in the city of Santa Barbara — so it pays to compare plans specific to your ZIP code. Call 805-322-8053 for a free, no-obligation review.
Santa Maria is the largest city in Santa Barbara County, and Medicare here has its own local character. Plan lineups, provider networks, and premiums are set at the county and ZIP-code level — and what's available in the Santa Maria Valley can differ from what neighbors see on the South Coast in Santa Barbara or Goleta. If you've heard about a plan from a friend down the coast, it may not look the same (or be offered at all) where you live.
I'm Matt Rolph, an independent Medicare broker licensed in California. Independent means I don't work for a single insurance company: I compare options from the carriers I represent and help you choose based on your doctors, your prescriptions, and your budget. My help is free to you — brokers are paid by insurance carriers, and your premium is the same whether you use a broker or not.
How the networks available in Santa Maria and the surrounding valley handle your doctors and hospital preferences, including access to local facilities like Marian Regional Medical Center.
Standardized plans that work alongside Original Medicare with no networks, a common choice for people who split time between the Central Coast and elsewhere. California's Birthday Rule also gives current Medigap policyholders a 60-day window each year, starting on their birthday, to switch to another Medigap plan of equal or lesser benefits without medical underwriting.
Matching your pharmacy and medication list against plan formularies, including the 2026 out-of-pocket cap. See what changed for Medicare in 2026.
Not sure which direction fits? Start with the plain-English comparison of Medicare Advantage vs. Medicare Supplement or the overview of plan types.
Your Initial Enrollment Period lasts seven months — the three months before your birthday month, your birthday month, and the three months after. Most people should start comparing options 3–6 months ahead. The turning 65 in Southern California guide walks through each step, including the Annual Enrollment Period (October 15 – December 7) and the Medicare Advantage Open Enrollment Period (January 1 – March 31).
Santa Barbara County residents can get free, unbiased Medicare counseling through HICAP (the Health Insurance Counseling and Advocacy Program), California's State Health Insurance Assistance Program (SHIP), administered locally by the Central Coast Commission for Senior Citizens / Area Agency on Aging, which serves both Santa Barbara and San Luis Obispo counties. HICAP counselors don't sell insurance; I'm an independent broker who can help you enroll. Many people use both. The complete list of plans available in your area is always at Medicare.gov or 1-800-MEDICARE.
Beyond Santa Maria, Orcutt, and Guadalupe, I serve the whole Central Coast: Santa Barbara County to the south (Lompoc, Buellton, Solvang, Santa Ynez Valley, Goleta, Santa Barbara, Carpinteria) and San Luis Obispo County to the north (Nipomo, Arroyo Grande, Pismo Beach, and beyond). Appointments by phone, video, or in person.
Consultations are 100% free with no obligation to enroll.
Schedule a Free Consultation 805-322-8053