Independent Medicare Advisory · California

Medicare Guidance
from a Trusted
Partner

Comprehensive, no-cost guidance on Medicare enrollment, Medicare Advantage, Supplemental Medigap Plans, and Prescription Drug coverage — serving South Bay and all of California.

Schedule a Consultation Call (310) 715-2300

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Our Approach

Independent guidance,
your best interests
always first.

Why work with an independent broker?

When you call an insurance carrier, you speak with a representative trained to present only that company's options. As independent broker/agents, we are licensed and certified to compare plans across all Medicare carriers in your area — helping you make genuinely informed decisions.

Does it cost more to work with a broker?

No. Independent brokers are paid directly by the insurance company when you enroll. Our compensation never affects your premiums or coverage. The guidance you receive is always honest, objective, and at no cost to you.

What services do you provide at no cost?

Personal appointments with you and your partner or spouse

Help with Medicare enrollment questions and deadlines

Detailed review of plan costs, benefits, and medication comparisons

Help finding plans accepted by your physicians and hospitals

Annual reviews to keep your coverage current and cost-effective

Year-round customer service and plan support

YMA Insurance Solutions — Torrance, CA office

Locally owned & operated

Torrance, CA · South Bay & all of California

How We Help

We bring clarity
to a complicated process.

Understanding your situation

We start by listening — your doctors, medications, budget, and health priorities shape every recommendation we make.

Comparing your full range of options

We compare plans across 11 carriers — Medicare Advantage, Medigap, and Part D — so you see the complete picture, not just one company's offerings.

Enrolling with confidence

We guide you through enrollment, ensuring no deadlines are missed and no late-enrollment penalties incurred.

Staying your advisor, year-round

We review your plan annually and remain available whenever you need us — not just during enrollment season.

Coverage Options

Medicare plans
explained simply.

Medicare is made up of parts — each covering different things, with many options within each. We cut through the complexity and match you with the right combination for your health and budget.

Part C

Medicare Advantage (HMO / PPO)

An all-in-one alternative to Original Medicare that combines hospital, medical, and often prescription drug coverage. Many plans in Southern California are $0 premium. We compare options across all carriers to find what fits your network and lifestyle.

Original Medicare

Parts A & B

The foundation of Medicare — hospital care (Part A) and medical services (Part B). We help you understand enrollment windows and how to avoid penalties that can last a lifetime.

Medigap

Supplement Plans

Fills the gaps in Original Medicare — covering copayments, coinsurance, and deductibles. We compare Medigap plans across carriers to find the best rate for your situation.

Part D

Prescription Drug Plans

Original Medicare doesn't cover most prescriptions. We offer all 16 stand-alone Part D plans available in California and compare each against your specific medications to minimize your out-of-pocket costs. In 2025, your annual drug spend is capped at $2,000.

Our Mission

Locally rooted.
California-wide reach.

Our mission at Your Medicare Advisors, Inc., is to serve our community with integrity, compassion, and trust. As an independent insurance agency based in Torrance, CA, we are dedicated to helping Californians navigate their Medicare options with confidence and clarity.

Our office is located in Torrance, and we proudly serve the South Bay, Beach Cities, and the entire state of California. We're available in-person, via Zoom, by phone, and can provide on-site consultations for those with mobility concerns.

Our Team

Your Trusted
Medicare Partners.

Each member of our team brings deep expertise and a genuine commitment to guiding you through one of life's most important health coverage decisions — with patience, clarity, and care.

Rose Straub

VP & COO · Health Insurance Agent

CA Lic. #0K48128

Erik Milanez

Health Insurance Agent

CA Lic. #1579244 · 15+ yrs experience

Izzy Chen

Health Insurance Consultant

CA Lic. #4391205

Melanie Luna

Health Insurance Consultant

Bilingual · English & Spanish

Angela Fuller

Customer Service & Support

Client Testimonials

Words from
those we've helped.

We recognize that Medicare is a significant life transition. Clients often experience anxiety over the many decisions they need to make. The most rewarding part of our work is guiding people through it — and we're grateful for the trust they place in us.

Thank you for your thoughtful card, but it is we who are most appreciative of your hard work. It would have been very stressful for us to try and navigate through the Medicare process ourselves. Thank you for offering your help in the future. We will definitely take you up on that!

Thomas and Janet M.

California

You are so easy to work with, being so gentle and patient when explanations are required. I am grateful that you are so willing to simply be of help without wanting anything in return.

Lori J.

Torrance, CA

Thank you for your patience, advise, kindness, and caring heart. You really helped us get through the medicare maze!

Richard and Mary D.

Palos Verdes, CA

Thank you so much for your help & patience! You are greatly appreciated and I am looking forward to many years with you as our advisor.

Sindi T.

Calabasas, CA

Thank you for taking the time to explain our options. Your desire to assist with our health care decisions is a huge relief. We appreciate your advice & expertise.

Ron and Lois V.

Camarillo, CA

5.0

Client Satisfaction

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