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Licensed Medicare and retirement planning advisor in San Mateo, CA helping individuals nationwide navigate Medicare plans, enrollment, and guaranteed income strategies.

Trusted Medicare

@trusted-medicare
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Medicare Made Simple — Expert Guidance from San Mateo, CA
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Verified March 2026

About

Trusted Medicare

Trusted Medicare is a licensed Medicare and retirement planning advisory practice based in San Mateo, CA, led by HongYien 'Dolly' Johnson. Dolly helps individuals across the United States cut through Medicare confusion by offering clear, pressure-free consultations on Medicare Supplement plans, Medicare Advantage, Part D prescription drug coverage, and enrollment timing. Working with top national carriers through PES Insurance, the practice also provides retirement income planning, annuity strategies, and IRMAA cost analysis to help clients protect their savings in retirement. With more than 1,000 Medicare enrollees supported, Trusted Medicare is known for personalized, educational guidance that empowers clients to choose coverage confidently. Free consultations are available by appointment for new and existing Medicare beneficiaries.

1,000+ Medicare Enrollees Served
Licensed Medicare Advisor
Serving Clients Nationwide
Free Consultations Available

Trusted Medicare

Solutions

Working Past 65 Coverage Review

Free — no obligation assessment

Many people approaching 65 assume their employer coverage is automatically their best option, but that is not always the case. Dolly helps clients in San Mateo, CA and nationwide compare their current employer plan against Medicare Part A, Part B, and Medicare Advantage options — factoring in premiums, out-of-pocket costs, and provider access. This side-by-side review helps individuals make an informed decision about when to transition to Medicare.

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What’s included
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30–60 minutes

Retirement Income & Annuity Strategy

Fee structures vary — free strategy call

Retirement should feel financially secure, not uncertain. Trusted Medicare's retirement income planning service, delivered in partnership with PES Insurance specialists, helps clients create a predictable income floor using annuities that coordinate with Medicare Supplement premiums. The focus is on protecting principal, managing longevity risk, and ensuring healthcare costs do not quietly erode retirement savings over time.

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What’s included
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45–90 minutes

IRMAA Analysis & Cost Planning

Free — included in consultation

The Income-Related Monthly Adjustment Amount (IRMAA) can significantly increase Medicare Part B and Part D premiums based on your income. Many clients in San Mateo, CA and across the country are surprised to discover how retirement account withdrawals, investment income, or other income changes can trigger IRMAA surcharges. Dolly provides a clear explanation of how IRMAA is calculated and strategies to consider when reviewing your coverage and income plan together.

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What’s included
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20–40 minutes

Medicare Enrollment Guidance

Free — commission-based advisory

Enrolling in Medicare involves specific windows, deadlines, and sequences that can trigger permanent penalties if missed. Dolly walks clients through the full Medicare enrollment process — from Part A and B eligibility and sign-up methods to Part D prescription drug coverage and any supplemental plan options available in their area. This service is especially valuable for those turning 65, retiring, or losing employer coverage.

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What’s included
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30–45 minutes

Medicare Plan Selection

Free consultation — no obligation

Choosing the right Medicare plan in San Mateo, CA or anywhere nationwide can feel overwhelming, but Dolly Johnson simplifies the process with a focused, educational consultation. She reviews your health needs, budget, and provider preferences to compare Medicare Supplement (Medigap) and Medicare Advantage plans side by side, helping you understand exactly what each option covers and what it costs. The goal is clarity and confidence, not a sales pitch.

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What’s included
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30–60 minutes

Quick Reference Guide

Service type
Duration
Complexity
Best for
Price range
Working Past 65
30–60 min
Moderate
Delayed retirees
$
Annuity Strategy
45–90 min
Complex
Pre-retirees & retirees
$$
IRMAA Analysis
20–40 min
Complex
Higher-income retirees
$
Enrollment Guidance
30–45 min
Moderate
Turning 65 soon
$
Plan Selection
30–60 min
Moderate
New Medicare enrollees
$

Pricing Information

Medicare advisory consultations with Trusted Medicare are provided at no upfront cost. Retirement income and annuity planning fees vary by product and scope. Schedule a free call to discuss your situation and understand all applicable costs before committing.

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What to Expect: Common Scenarios

Scenario:
Still Employed at 65
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Recommended:
Working Past 65 Coverage Review
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Pro Tip:
Even if your employer plan feels comfortable, request a cost comparison before your 65th birthday. For some people, combining Medicare Part A with employer coverage provides immediate savings with no disruption to providers.
What’s involved?
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Gather your current employer plan details and premium costs
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Schedule a free comparison call with Dolly Johnson
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Review Medicare options available in your area and price range
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Decide on the most cost-effective timing to transition
Scenario:
Planning for Retirement Income
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Recommended:
Retirement Income & Annuity Strategy
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Pro Tip:
Request the complimentary PDF guide '5 Must-Knows About Annuities and Medicare' available on the Trusted Medicare website before your strategy call — it frames the key questions worth discussing.
What’s involved?
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Schedule a retirement strategy call with the advisory team
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Review your current savings, income sources, and monthly expenses
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Explore guaranteed lifetime income options through annuity products
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Coordinate retirement income with your Medicare premium obligations
Scenario:
Concerned About Medicare Costs
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Recommended:
IRMAA Analysis & Cost Planning
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Pro Tip:
If you had a significant income event in the last two years — such as a large IRA withdrawal or property sale — your IRMAA surcharge may be higher than you expect. An appeal is possible in certain qualifying life events.
What’s involved?
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Discuss your income sources and recent changes with Dolly
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Understand how IRMAA is calculated based on your tax return
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Review how premium amounts may change year to year
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Coordinate IRMAA awareness with your retirement income planning
Scenario:
Confused by Plan Options
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Recommended:
Medicare Plan Selection
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Pro Tip:
Bring a list of your current doctors and any prescriptions to your consultation. Carrier networks and formularies vary, and confirming your providers are covered before enrolling prevents costly surprises.
What’s involved?
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Share your health needs, providers, and budget in the initial call
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Receive a side-by-side plan comparison across top carriers
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Ask questions until each option is fully clear
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Choose a plan with confidence and complete enrollment
Scenario:
Turning 65 Soon
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Recommended:
Medicare Enrollment Guidance
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Pro Tip:
Your Initial Enrollment Period opens three months before your 65th birthday. Do not wait until the month you turn 65 — scheduling a consultation early gives you time to compare options without pressure.
What’s involved?
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Schedule a free 30-minute consultation by phone or video
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Review your current coverage and upcoming Medicare eligibility
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Receive a clear enrollment timeline and checklist
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Select and enroll in a plan before your deadline

Location(s)

Frequently Asked Questions

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All questions
What’s new
Can Trusted Medicare help if I am still working and have employer insurance at 65?
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Yes. Many clients approaching 65 are still employed and unsure whether to keep their employer coverage or transition to Medicare. Trusted Medicare specializes in this comparison, reviewing your employer plan costs, deductibles, and network against Medicare options available in your area. In some situations, enrolling in Medicare Part A while maintaining employer coverage for Part B can reduce costs immediately. In others, waiting is the better strategy. The decision depends on your employer size, coverage quality, and personal budget. Dolly will walk you through both scenarios so you can decide with confidence. Call 650-394-7274 or book a free consultation online.
What is the difference between Medicare Supplement and Medicare Advantage?
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Medicare Supplement plans, also called Medigap, work alongside Original Medicare (Parts A and B) to cover costs that Medicare does not pay — such as copayments, coinsurance, and deductibles. They typically allow access to any provider that accepts Medicare nationwide. Medicare Advantage plans, also called Part C, are offered by private insurance companies as an all-in-one alternative to Original Medicare, often including prescription drug coverage and extra benefits like dental and vision, but with network restrictions. The right choice depends on your health needs, preferred providers, travel habits, and budget. Trusted Medicare provides a side-by-side comparison during your free consultation so you can see clearly which structure fits your life.
How much does Medicare cost and what affects my premiums?
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Medicare costs depend on several factors, including which parts and plans you enroll in, your income, and your location. Most people do not pay a premium for Medicare Part A if they have worked and paid Medicare taxes for at least 10 years. Medicare Part B carries a standard monthly premium that adjusts annually. If your income exceeds certain thresholds, you may be subject to IRMAA — an Income-Related Monthly Adjustment Amount — which increases your Part B and Part D premiums. Medicare Supplement and Advantage plans carry their own separate costs. Dolly at Trusted Medicare can walk you through all cost components specific to your situation during a free consultation at 650-394-7274.
How do I schedule an appointment with Trusted Medicare?
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You can schedule a free consultation directly on the Trusted Medicare website at trustedmedicare.online using the online booking tool, or by calling 650-394-7274. Consultations are conducted by phone or virtual meeting, making it convenient for clients throughout California and across the country. Dolly works with clients in all 50 states, so geographic location is not a barrier to getting help. Once your appointment is booked, you will receive confirmation details and any preparation tips for your session.
Is the Medicare consultation truly free?
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Yes. Consultations with Trusted Medicare are provided at no cost to you. Licensed Medicare advisors like HongYien 'Dolly' Johnson are typically compensated through carrier commissions when a client enrolls in a plan, which means you receive expert, personalized guidance without paying out of pocket. There is no obligation to enroll in any plan after speaking with Dolly. The goal of every consultation is education first, so you can make a confident decision on your own terms. To schedule your free consultation, call 650-394-7274 or book online at trustedmedicare.online.
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20 March 2026
Can Trusted Medicare help if I am still working and have employer insurance at 65?
keyboard_arrow_up
Yes. Many clients approaching 65 are still employed and unsure whether to keep their employer coverage or transition to Medicare. Trusted Medicare specializes in this comparison, reviewing your employer plan costs, deductibles, and network against Medicare options available in your area. In some situations, enrolling in Medicare Part A while maintaining employer coverage for Part B can reduce costs immediately. In others, waiting is the better strategy. The decision depends on your employer size, coverage quality, and personal budget. Dolly will walk you through both scenarios so you can decide with confidence. Call 650-394-7274 or book a free consultation online.
Blue wallet icon with a folded flap.
20 March 2026
What is the difference between Medicare Supplement and Medicare Advantage?
keyboard_arrow_up
Medicare Supplement plans, also called Medigap, work alongside Original Medicare (Parts A and B) to cover costs that Medicare does not pay — such as copayments, coinsurance, and deductibles. They typically allow access to any provider that accepts Medicare nationwide. Medicare Advantage plans, also called Part C, are offered by private insurance companies as an all-in-one alternative to Original Medicare, often including prescription drug coverage and extra benefits like dental and vision, but with network restrictions. The right choice depends on your health needs, preferred providers, travel habits, and budget. Trusted Medicare provides a side-by-side comparison during your free consultation so you can see clearly which structure fits your life.
Blue wallet icon with a folded flap.
20 March 2026
How much does Medicare cost and what affects my premiums?
keyboard_arrow_up
Medicare costs depend on several factors, including which parts and plans you enroll in, your income, and your location. Most people do not pay a premium for Medicare Part A if they have worked and paid Medicare taxes for at least 10 years. Medicare Part B carries a standard monthly premium that adjusts annually. If your income exceeds certain thresholds, you may be subject to IRMAA — an Income-Related Monthly Adjustment Amount — which increases your Part B and Part D premiums. Medicare Supplement and Advantage plans carry their own separate costs. Dolly at Trusted Medicare can walk you through all cost components specific to your situation during a free consultation at 650-394-7274.
Blue wallet icon with a folded flap.
20 March 2026
How do I schedule an appointment with Trusted Medicare?
keyboard_arrow_up
You can schedule a free consultation directly on the Trusted Medicare website at trustedmedicare.online using the online booking tool, or by calling 650-394-7274. Consultations are conducted by phone or virtual meeting, making it convenient for clients throughout California and across the country. Dolly works with clients in all 50 states, so geographic location is not a barrier to getting help. Once your appointment is booked, you will receive confirmation details and any preparation tips for your session.
Blue wallet icon with a folded flap.
20 March 2026
Is the Medicare consultation truly free?
keyboard_arrow_up
Yes. Consultations with Trusted Medicare are provided at no cost to you. Licensed Medicare advisors like HongYien 'Dolly' Johnson are typically compensated through carrier commissions when a client enrolls in a plan, which means you receive expert, personalized guidance without paying out of pocket. There is no obligation to enroll in any plan after speaking with Dolly. The goal of every consultation is education first, so you can make a confident decision on your own terms. To schedule your free consultation, call 650-394-7274 or book online at trustedmedicare.online.

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