Ontario International Airport sits in the city, and Luis Alvarenga offers Medicare plans in Arizona and Nevada as well as California. If you split time between states, a Medigap plan with no network and an Advantage plan with one behave very differently. Luis compares both by phone, video, or an in-home visit.
What to know about Ontario before you compare Medicare plans
- Ontario is in San Bernardino County, incorporated December 10, 1891, with 175,265 residents in the 2020 census.
- In 2020, 10.6% of residents were 65 or older, about 18,600 people, and the median age was 34.0.
- Interstate 10, State Route 60, and Interstate 15 serve the city, and Euclid Avenue (State Route 83) runs north and south through it.
- Ontario International Airport began as Ontario Municipal Airport in 1929 and is a major freight hub for FedEx and UPS.
- Ontario Mills is a major outlet mall, and the Granada Theatre dates to 1925.
- The University of La Verne College of Law and West Coast University are in the city, and nativity scenes have lined the Euclid Avenue median each Christmas since 1958.
- Luis works from San Bernardino, roughly 21 miles east of Ontario.
Medigap or Advantage when you spend months in Arizona or Nevada
A Medigap plan works with Original Medicare, so you can see any provider that accepts Medicare, in any state. A Medicare Advantage HMO generally covers care only from its network, and a PPO covers out-of-network care at a higher cost. Emergencies are covered either way, but routine care away from home is the part to ask about.
The side-by-side table compares the two on network, cost, and changing plans later, and the HMO vs PPO guide covers travel questions for Advantage plans.
Luis offers Medicare plans in three states
Luis is licensed in 18 states and offers Medicare Advantage and Medicare Supplement plans in California, Arizona, and Nevada. For a household that moves between Ontario and Arizona or Nevada, that means one agent for the comparison. He does not offer every plan available in your area, so he points you to Medicare.gov and your SHIP for the full list. The Medicare Supplement page shows the service area.
Where to start in Ontario
About 18,600 Ontario residents are 65 or older. For them, the Annual Enrollment guide is the first read, because changes made by December 7 take effect January 1. Households under 65 can start with ACA health or term life first.
How Luis works with Ontario clients
Luis Alvarenga is a licensed independent insurance agent (NPN #8756746) based in San Bernardino, roughly 21 miles east of Ontario. Ontario sits at the western end of the Inland Empire, so reviews can start by phone or video, with a home visit available by request. Every request gets a reply within 24 hours, and every client gets a free annual policy review for as long as the policy is active.
Frequently asked questions
Does a Medigap plan work if I spend months in Arizona?
Medigap pairs with Original Medicare, so you can see any provider that accepts Medicare. That includes Arizona and every other state, which is why travelers weigh it against a network plan.
Is Luis licensed to sell Medicare plans in Arizona and Nevada?
He offers Medicare Advantage and Medicare Supplement plans in California, Arizona, and Nevada, and is licensed in 18 states in total.
How far is Ontario from Luis?
He is based in San Bernardino, roughly 21 miles east of Ontario. He works with households by phone, video, and in-home visits by request.
Population and age figures are from the 2020 US Census. Distances are straight-line estimates from downtown San Bernardino.