Why Choose Gary Smith?

Health Advocacy Services

Have you ever heard “you need to be your own best advocate”? When stressed or disabled by your own serious health problem, being your own best advocate is extremely difficult.

Bear Flag Insurance Advocates for you:

  • Advocating for your health needs normally begins by working with your physician’s office manager.
  • Enroll in a Medicare Insurance plan through Bear Flag Insurance and we will maintain regular communications with your physician’s office manager. Click here for a sample communication.
  • By making regular contact with your physician’s office manager, we are better prepared to advocate on your behalf.

Reasons to choose Gary Smith as your Medicare Insurance Agent.
Gary Smith testimonials

  • Insurance licensed in Sonoma County for over 25 years.
  • Sonoma County Medical Association endorsed my services for its physician members, for a disability insurance program. At the time, I was the 5th person they endorsed in their 50 year history. A number of physicians recommended me for endorsement, due to my excellent service to their patients, their families and/or themselves.
  • History of providing excellent service to clients, as evidenced by Sonoma County Medical Association endorsement and numerous letters of recommendation.
  • Graduated from U.C. Berkeley with a Bachelor of Arts degree.


Personal note from Gary:

Please share with loved ones age 65 and over. If they make us their Medicare Insurance agent, they receive FREE Health Advocacy Assistance.
Have you ever taken care of a loved one over age 65 with a serious illness? Was it stressful & exhausting?

To help caregivers, our Medicare Insurance clients receive FREE Health Care Advocacy Assistance. We help your loved one navigate the Medicare Insurance system to obtain the highest quality health care.

People ask “why do you give all this extra service that most other Medicare Insurance Agents don’t give?”

First: My Mom would have lived far longer, if she had received this service. Because of working full time and caring for my Mom 5 hours a day, I failed to save her. Maybe I can save other people, getting them the best possible care.

Second: to be the absolute best in my field, I must provide the absolute best assistance. I want to have been at least one of the best in my field.


What do I need to know if I want to buy a Medigap policy?

The information below was taken from, 2016 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
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  • You must have Medicare Part A and Part B to buy a Medigap policy.
  • If you have a Medicare Advantage Plan (like an HMO or PPO) but are planning to return to Original Medicare, you can apply for a Medigap policy before your coverage ends. The Medigap insurer can sell it to you as long as you’re leaving the Plan. Ask that the new Medigap policy start no later than when your Medicare Advantage Plan enrollment ends, so you’ll have continuous coverage.
  • Plans E, H, I, and J are no longer for sale, but you can generally keep these plans if you already have one.
  • You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium you pay to Medicare.
  • A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you each will have to buy separate Medigap policies.
  • When you have your Medigap Open Enrollment Period, you can buy a Medigap policy from any insurance company that’s licensed in your state.
  • If you want to buy a Medigap policy, see page 11 for an overview of the basic benefits covered by different Medigap policies to review the benefit choices. Then, follow the “Steps to Buying a Medigap Policy” on pages 25-30.
  • If you want to drop your Medigap policy, write your insurance company to cancel the policy and confirm it’s cancelled. Your agent can’t cancel the policy for you.
  • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.
  • Different insurance companies may charge different premiums for the same exact policy. As you shop for a policy, be sure you’re comparing the same policy (for example, compare Plan A from one company with Plan A from another company).
  • Some states may have laws that may give you additional protections.

Continue Reading on “Medicare Enrollment Hazards”