Independent Medicare Insurance Agent Serving Sacramento & San Joaquin County
Medicare Made Simple. Guidance You Can Trust — Medicare Advantage, Supplements, Part D, Life & Group Insurance for Sacramento, Lodi, Stockton and surrounding communities.
Choosing Medicare coverage doesn’t have to be overwhelming. I’m approachable and I'm here to help you understand your options, find coverage that fits your needs, and feel confident in your decision -without the pressure.
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My Mission
As a licensed insurance agent, my mission is to make insurance easier to understand and help you feel confident in your coverage. I’m here as a year-round resource to help you navigate your health insurance, understand your benefits, and make informed decisions about your coverage and provider network. I take the time to understand your unique needs, answer your questions, and help you find coverage that fits your health, lifestyle, and budget.
Why I do this
Insurance can feel overwhelming, especially when you’re trying to make important decisions about your health and financial future. I believe you shouldn’t have to navigate it alone.
I became an insurance agent because I wanted to be the person people could turn to for honest guidance, clear answers, and a little peace of mind. My goal is to build lasting relationships with my clients—not simply help them choose a plan, but be there when questions come up and their needs change.
Found one of my stickers?
If you followed the QR code — welcome, and did you get the joke? Okay, I’m better at Medicare than jokes. Either way you’re in the right place: explore the basics below, or get in touch with a question. Spot more stickers around town and tag me on social when you post.
Q: What do you call a senior who remembers where they parked?
A: A Legend!
Q: Why did the retiree bring a ladder to the doctor?
A: Because they wanted to get a step ahead
Q: Why did Medicare go to the doctor?
A: Because even Medicare needs a checkup! Let's talk about your choices.
Medicare Insurance Options
Get personalized guidance to help you understand your Medicare options and choose coverage that fits your healthcare needs, budget, and lifestyle.
Medicare Basics
Not sure where to start with Medicare? You’re not alone. Let’s break it down into the basics. Learn what Parts A, B, C and D cover, how they work together, and what you should know before making a Medicare coverage decision.
Life Insurance
Enjoy flexible premiums and coverage with our Life Insurance, offering long-term protection and potential cash value growth.
Individual & Family Coverage
employer coverage group insurance offering great rates and multiple carriers
Common Medicare questions
The questions I hear most on the phone. If yours isn’t here, it’s a 15‑minute call away.
Do you charge a fee to help me choose a Medicare plan?
No. I’m paid by the insurance carrier when you enroll, and your premium is the same whether you work with me or go direct. You get a licensed agent at no cost to you.
What’s the difference between Medicare Advantage and a Medicare Supplement?
Medicare Advantage (Part C) is a private plan that replaces Original Medicare. It usually bundles drug coverage and can include extras like dental and vision, but you stay inside a provider network. A Medicare Supplement (Medigap) works alongside Original Medicare, lets you see any doctor who accepts Medicare, and covers most of what Original Medicare leaves you to pay, for a monthly premium. Which one fits depends on your doctors, your prescriptions, how much you travel, and your budget.
When can I sign up for Medicare?
Your Initial Enrollment Period lasts 7 months — it starts 3 months before you turn 65 and ends 3 months after your birthday month. After that, Open Enrollment runs October 15 through December 7 each year. Certain life events open a Special Enrollment Period. See the enrollment periods on Medicare.gov.
I’m still working at 65. Do I need to enroll?
Often you can delay Part B without a penalty if you have coverage through an employer with 20 or more employees. Once that job or that coverage ends, you get an 8‑month Special Enrollment Period to sign up — miss it and the Part B penalty stays with you for as long as you have Part B. If the employer has fewer than 20 employees, the rules are different. It’s worth a 15‑minute review before you decide. See working past 65 on Medicare.gov.
Which areas do you serve?
I’m based in Acampo and work with people across Sacramento, San Joaquin, Yolo and Placer counties — Lodi, Stockton, Galt, Elk Grove, Sacramento and the communities around them. We can meet by phone, by video, or in person.
Which insurance companies do you represent?
I’m an independent agent, so I’m contracted with several carriers rather than just one. That means I can compare plans across companies and recommend what fits you, not what one carrier wants to sell.
Katie Davis is not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation for Medicare insurance. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your local State Health Insurance Assistance Program (SHIP) to get information about all of your Medicare options. By submitting your information, you agree that a licensed insurance agent may contact you regarding Medicare insurance plans and coverage options. Your consent is not a condition of enrollment.