Experts in Your Corner
Advantages of working with an independent broker:
Works with all major carriers, not just one single company.
Assists with enrollment in plans.
Be aware of special needs plans that may be applicable to your situation.
Strong relationships with local insurance company leadership to ensure you get the necessary assistance when you need it most.
The best part about an independent agent is that you pay nothing for the services they provide.
Agents are compensated the same rate by all insurance companies, which is regulated by the Center for Medicare and Medicaid Services (CMS).
Working with an independent agent provides you with peace of mind.
Your Licensed Pro
I specialize in Medicare Advantage Plans, Medicare Supplements, Medicare Part D Prescription Drug Plans, and more! I’m knowledgeable about the local market, and I look forward to assisting you with your Medicare insurance needs.
Joe Louie Carbajal
Licensed Insurance Broker
(TTY:711)
spectruminsurancegroup7@gmail.com
We do not offer every plan available in your area. Currently, we represent 17 organizations that offer 104 products in your area. Please contact Medicare.gov, 1-800-MEDICARE,or your local State Health Insurance Program (SHIP) to get information on your options.
Joe Louie Carbajal
Your Trusted, Local, Licensed
MEDICARE INSURANCE BROKER
Medicare Plan Questions?
Ask an Expert!
(480) 332-7186 TTY:711
Together We Can Achieve More
As your local Medicare insurance agent, my job is to help you better understand the basics of Medicare and the various options available.
As your trusted partner, I will work with you to navigate the complex world of Medicare and get the plan that best suits your needs at the right time.
Partner Who Cares
Medicare plans and available options change every year. You need a partner who keeps up on the annual changes, so you don't have to.
Work with a licensed agent to feel more connected and knowledgeable about Medicare plan options!
Ensuring YOU Get the BEST Service
One-on-One Personalized Consultations and Annual Plan Review.
Work as Your Representative With the Insurance Carrier and Providers.
Provide Ongoing Support as Your Needs Change.
Get the Most Out of Your Medicare
Some plans may include extra benefits! Ask me about it today!
When you have me to help you, selecting the right plan will be comfortable and easy!
Products and Services
Medicare Advantage Plans
Medicare Supplements/Medigap
Dental
Vision
Hospital Indemnity
Cancer, Heart and Stroke Plans
Special Needs Advantage Plans (Chronic Conditions—diabetes, Heart, Lung, ESRD)
Low-Income Subsidy and Medicare/Medicaid Plans
Protect your family with Spectrum Insurance & Financial Group
We do not offer every plan available in your area. Currently we represent 15 organizations. Organizations which offer 87 plans products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare.

Not affiliated with or endorsed by the government or Federal Medicare program.