Medicare and Medigap help in San Jose, California

Many San Jose residents reach 65 while still working in tech or with generous employer or retiree coverage, which makes Part B timing one of the most important decisions. Santa Clara County is also home to large Vietnamese, Spanish-speaking and other multilingual communities. We help San Jose households review Medicare, Medigap and Part D choices by phone or video.

Working past 65 in Silicon Valley

If you have coverage through current active employment, you may be able to delay Part B without a penalty and later use a Special Enrollment Period. Retiree coverage and COBRA do not count the same way, so check before you delay.

Stock income and Part B premiums

Higher reported income, including from stock sales, can trigger an income-related monthly adjustment to Part B and Part D premiums. Social Security makes that determination, and life-changing events can be reported for review.

Medicare Supplement (Medigap) in San Jose

California's birthday rule lets current Medigap policyholders switch to equal or lesser benefits each year in a window starting on their birthday, without health questions. New enrollees get the federal six-month Medigap Open Enrollment Period once they are 65 and in Part B.

Medicare Advantage and Part D in Santa Clara County

Medicare Advantage and Part D plans are offered by county service area, so options in San Jose can differ from neighboring counties. The 2027 Annual Enrollment Period runs October 15 through December 7, 2026; your Initial Enrollment Period around age 65 is separate.

Help with costs

If your income and resources are limited, Medi-Cal, Medicare Savings Programs or Extra Help with Part D may apply. Eligibility is decided by the state or Social Security, not by an agent.

Questions to ask before you choose

  • Is my San Jose address in Santa Clara County for plan purposes?
  • Are my doctors and pharmacy in the plan's network?
  • Does Medigap with Part D or a Medicare Advantage plan fit me better?
  • Do I qualify for any program that lowers my costs?

Frequently asked questions

  • Does COBRA let me delay Part B? No. COBRA is not coverage based on current employment, so delaying Part B while on COBRA can lead to a late enrollment penalty.
  • Does RGI Group have an office in San Jose? No. Our only office is in Austin, Texas. San Jose residents are served by phone or video by an agent licensed in California.

Important notice

  • Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
  • 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, or your local State Health Insurance Program (California HICAP) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
  • RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in California. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.