Medicare Advocacy Services for Greater Sacramento and surrounding areas
Personalized guidance for Medicare, Medigap, prescription plans, and annuities—serving Greater Sacramento and surrounding areas with advocacy and no-cost consulting.
What We Offer in Northern California
Comprehensive Medicare Solutions
Carpenter Insurance Services, LLC specializes in helping residents of Davis, Yolo County, and Sacramento County navigate the complex world of Medicare planning. Our independent, licensed approach means you receive unbiased advice and access to most major providers—not just one company. With over 25 years of local expertise, we offer step-by-step support for Medicare Advantage, Supplement (Medigap), and Prescription Drug Plans, as well as fixed and indexed annuities to safeguard your financial future. Every service is designed to reduce confusion, clarify costs, and empower you to make confident decisions about your healthcare—all at no cost to you.
Medicare Advantage (Part C)
Compare top Medicare Advantage plans from trusted carriers. We help you evaluate networks, premiums, and benefits to find coverage that works for your life.
Medicare Supplement (Medigap)
Simplify your Medicare gaps with expert guidance. Learn how Medigap plans offer peace of mind by covering costs Original Medicare doesn’t.
Prescription Drug Plans (Part D)
Avoid costly surprises at the pharmacy. We verify your medications against each plan's formulary to ensure accurate, budget-conscious coverage.
Fixed & Indexed Annuities
Strengthen your retirement strategy with annuities that protect principal and offer predictable income. We'll walk you through your safest options.








