I'm normally a pretty smart guy, but for some reason, as i approached 69, and had to get off of my wife's medical insurance, i had no clue on how to sign up for Medicare. I just could not figure it out. So as i used YELP all the time, i went to YELP and asked for the top rated Medicare agent in my area. TERESA KARAM name popped up, and i stated to read the reviews, which were all fantastic. So i sent her a email, and got a reply very fast. Teresa told me EXACTLY what to do to get the process started, and of course i messed it up. I had to wait three weeks to get a paper signed, and when i finally got the paper signed that i needed, i called Teresa, and she told me step by step on how to proceed. Two days later, i was accepted by Medicare for part B. The rest was so simple. I had a very nice zoom call with Teresa, she showed me different options, and i picked SCAN ADVANTAGE, so i could keep my doctors and hospital. She went thru each step, each option, each benefit, each scenario. At the end of the zoom call, i was so happy, that i was finished getting Medicare, got a lot of nice benefits that i did not expect, and that TERESA KARAM was my Medicare agent. read more

I got caught up in the debacle when Scripps Coastal decided to eliminate Medicare Advantage plans. Teresa Karam to the rescue! I was a little uncertain because I am in San Diego county and Teresa works from Orange but she assured me that she knows the situation and could advise me. Her knowledge and energy and desire to solve problems is so reassuring. I know that I am in good hands read more

My husband and I needed to enroll in Medicare and had no idea what to do. Teresa was incredibly responsive, efficient, knowledgeable and professional. With her help, we figured out how to enroll and which supplement plan worked best for us. I highly, highly, highly recommend Teresa. We couldn't have done this without her help and expertise. read more

Medical insurance is a convoluted, ever-changing quagmire that most of us are not up to navigating on our own. Enter Teresa Karam. She responded to me right away and met with me and my husband to determine how to best meet our insurance needs. She is super knowledgable and answered our questions with great patience. Highly recommend. read more

Teresa is very knowledgeable and helpful. I found her to be professional and she responded promptly to message that I left.

Teresa went above and beyond to help me find the best possible insurance coverage for my dad. His situation was complicated and she took the time to understand his needs and came up with a strategy resulting in him getting the best possible coverage for lowest possible price. My only regret is not reaching out to her earlier. read more

Bottom line, Teresa takes care of her clients from the get go, knowledgeable, responsive, and just a good person to work with in your health insurance needs! read more

For someone like me without any idea how to navigate the maze of Medicare yet with a lot of apprehension, Teresa is my savor. I found her and her broker service on Yelp, and sent her an email during Thanksgiving holiday. To my surprise, she replied immediately. By Monday after Thanksgiving, after 30 minutes of zoom meeting, I became knowledgible on the subject, and was comfortable to make my choice during the meeting. All these are only possible because of Teresa's guidance, expertise, and unwavering desire to help her clients. I want those on the threshhold of signing up for Medicare to know that Teresa is here to help you through. Period. read more

Navigating the alphabet soup of Medicare Plans (A, B, C, D, G, etc.) can be a daunting and overwhelming task. Fortunately, through Teresa Karam's expertise and patience with our many questions, we've completed the process not only feeling confident with choices that fit our current needs, but also an understanding of how the plans will benefit us for unknown medical issues that may arise in years to come. With Teresa, this isn't a one-time process as we know she will keep us abreast of the annual changes (that are inevitable) and options to consider during future annual open enrollment cycles. read more

If I could give Teresa more stars, I would, she is incredible. Her patience, knowledge and quick response time (seriously she is on it!) are so appreciated. I have worked with her for a few years now as she assists my dad with his health insurance. My dad gets frustrated easily and she makes it easy for him to understand his options and does her job with such grace and kindness. I can't thank her or recommend her enough. read more

Appreciate her approach in helping me understand my options n which policy would fill my needs best. Her follow through is outstanding not only in attaining the initial insurance but keeping me informed throughout the year. read more

Reached out to Teresa for help with navigating through the choices involved with signing up for Medicare. Teresa is very knowledgeable about the options available in San Diego County even though she is based in Orange County/Aliso Viejo. In addition to being very helpful, and professional, she is also patient, and kind. A true gem. read more

just wanted to thank you for your outstanding job of helping me secure my supplemental policy and drug plan ! you are very knowledgable about the medicare process ! every question i threw at you , you had the answer without hesitation ! every call or text was returned in a timely manner in spite of it being your busy time of the year ! thanks again teresa your the best !!!! read more

Teresa helped my husband navigate the medicare nightmare and did a great job. She is very knowledgeable, patient, and explains the various options in an easily understandable way. She does all the paperwork in a timely basis and is there to assist if you have any further questions. I highly recommend her. read more

Teresa helped find me new health insurance. She took the time to review all the potential plans with me and found a more affordable option . She also responds quickly to any questions you have. read more

I was previously a licensed insurance broker, albeit many years ago. With that being said, I was confident that I could navigate the Medicare system and decide what type of coverage would be best for me. I was mistaken. I was left wondering if I was making the right decision for my needs. In addition, I went to one on one counseling with a state Medicare representative and asked for advice from several people who currently have Medicare. I was given a list of insurance companies to call for quotes. The ones I called either didn't answer or their rates were outrageous. I spent hours speaking with insurance companies and reading all the literature only to be more confused. My aunt recommended that I call a broker. I am so glad that I listened to her. I found Teresa on Yelp. She explained everything to me over the phone in a matter of minutes. She had quotes immediately and supplemental coverage approved for me the next day. She knows everything there is to know about Medicare coverage. The rate I ended up with was about 60% less than the quotes I received on my own. It was such an easy process working with her. She is extremely knowledgeable, professional, prompt and patient. I would definitely recommend her for Medicare supplemental needs. read more

Teresa was amazing! She was very knowledgeable and helpful. She made the process of selecting the best healthcare provider understandable and easy. My wife and I highly recommend Teresa Karam. read more

Terrsa Karam was like a breath of fresh air. She is smart and knows her business. She advised me and I took her advice. Now I'm anxious to start using my new health insurance. read more

Navigating Medicare can be a total nightmare, especially when your advantage plan dumps your Mom. Teresa was awesome and recommended a medigap plan that met all my Mothers needs. Highly recommend! read more

Working with Teresa is awesome! She makes navigating insurance/Medicare choices easy. She takes the time to understand individual issues and concerns and demonstrates the pluses and minuses of various choices. She's energetic, intelligent, charismatic and makes you feel comfortable. She helped me make the right choice. Of course, choosing her was the best choice! read more

I am turning 65 in August and I needed to sign up for Medicare. I originally contacted a broker recommended to me by a friend. That agent didn't respond in a timely manner and when they did they said they would contact me at a later date to meet but never followed up. I found Teresa on Yelp and she had great reviews. Once I reached out to her, she made contact with me right away. She said that we should meet sometime in May and kept in contact with me. We made an appointment for today, still 2 months from when I will be eligible for Medicare. Teresa was early to the appointment. She explained how Medicare worked and answered all of my questions, and some from my wife as well. She guided me to the right Medicare product and signed me up. It was all very--for me--easy and stress free. I should be receiving my insurance card in about two weeks. Teresa is knowledgeable, efficient, organized, and with boundless energy. I highly recommend her and she will continue to be my agent for all of my Medicare and health care needs. read more

Teresa has been so helpful making suggestions, answering questions, explaining sometimes more than once when I don't quite understand how Medicare works. She is very patient friendly and professional. She is a joy to work with and will never make you feel like you are bothering her. I highly recommend her. She will make your transition into Medicare much smoother and give you the confidence to know you have made smart choices for your situation. Terese R read more

My sister and I were trying to help our father navigate the next stage in his life post retirement and what medical care looks like. Starting from ground zero, we were overwhelmed with all the information, multiple plans, Medicare vs Medigap vs Medicare Advantage, and all the different components that go with each. It was very stressful. Enter Teresa. I found her from her amazing Yelp reviews and emailed her. On her first email response, I knew she was a winner. Not only was she responsive, but what impressed me was the thoroughness of her email response. She meticulously answered each question in my long email in detail. I LOVED that she took the time to write all of this and didn't make me wait until a phone call to share. I got my questions answered quickly, and all my follow up questions and emails she answered just as thoroughly. She was also very kind and patient throughout the process. She walked us through in real time shopping for the plans, explaining the differences in prices, expected increases year over year, which plans she recommends and also ones she does not recommend. She spent a lot of time on the call with us, and never tried to end a call early. Just as she was thorough on emails, she was thorough on the call. Bedside manner at a stressful time like this is everything. Thanks to Teresa we are relieved to complete the Medicare selection process with confidence that we made the right choice, and that we have her support in all future years to find the best packages for our needs. Thank you Teresa! read more

Teresa is incredibly knowledgeable and gave me a great overview of the plan options available for my father. She's quick to get you any information you need and to answer your questions. I am glad I found her as the process of selecting a plan seemed so overwhelming but once I talked with her, it was easy to select a plan. read more

Teresa is absolutely wonderful. My mother in law was completely lost with understanding her Medicare and Medi-Cal insurance options and was overpaying for coverage she did not need. Teresa did a consultation with her and got her onto a plan that met her needs but was very affordable. She also had parts of her Medicare coverage cancelled due to an old penalty issue that we did not even know existed. Teresa figured this out really quickly, found the root cause and even called my mother in law to go through the appeal paperwork to try and get this resolved as quickly as possible. She is super knowledgeable on California Medicare options and is a wonderful human who cares about her clients. My mother in law can be hard work and Teresa managed to work with her and get things done, it is so nice when elderly people are treated with kindness and patience - something that is often overlooked nowadays! Highly recommend!!! read more

I contacted Teresa and within less than an hr she called me back... I explained the issues that my husband and I had with our Medicare Advantage and she resolved it over the phone without expecting us to sign up in advance.... we were so pleased that we asked her to become our agent... the next day she called us and over the phone we modified our plan... she lifted a heavy load off our mind... so grateful for agents like her who are helping seniors like us with honesty and commitment to high ethics read more

Thank you Teresa for making the Medicare healthcare experience easy! Her website provides all necessary information needed as well as easy access to talking with her over the phone. Teresa is thoughtful, experienced, and incredibly organized. She takes the time to thoroughly explain Medicare and the process involved. The office experience is organized and pleasant. The type of care Teresa provides is nothing short of spectacular! Teresa makes the process easy to understand in a thoughtful, knowledgeable, and kind manner. If you want a hard working, communicative, efficient, and smart agent, Teresa Karam is who you are looking for! read more

Teresa is everything her reviews say she is and more I'm so thankful I found her on Yelp. She helped me with my plan change and chose a plan that best suited me. I was paying way too much for a plan that I really didn't need. I appreciate how she explains everything breaking it down to simple terms. For those of us that don't understand the Health Insurance terminology and how plans work this is a Godsend. Overall my experience with Teresa was excellent and I highly recommend you contact her for your Health Insurance needs. You won't be disappointed. Thank you Teresa. read more

I am very grateful for Teresa's guidance and expertise pertaining to Medicare! She thoroughly described all the available options. Teresa is knowledgeable and will help you navigate the process of enrolling in the Medicare program that is right for you. I found Teresa to be highly professional and approachable. By the end of our conversation, my anxiety was completely alleviated. I look forward to continuing to work with her on all matters pertaining to Medicare. read more

Medicare is a complicated process. Teresa is extremely well versed in the plans and processes. She is friendly, knowledgeable and super helpful. She did all of the leg work and research and presented all options so I could make an informed decision on my future care. She DOES NOT pressure you and responds to all questions and concerns in a timely manner. Please give her a call, you will not regret your decision. read more

One of the hardest tasks when you retire is deciding on the best medical insurance to protect you as we transion to phase two of lives. Teresa stepped in to help clear all the noise from making the right decision. Teresa was thier, answered any questions night or day from the start and still is thier anytime I have additional questions. Knowing Teresa is thier to give me piece of mind, not to mention the best medical insurance package available. When your ready, do not hesitate, Teresa is the right choice to help you through. I trusted her from the start and she has been thier for me since. Thank you Teresa...... read more

She talked my husband and I into Medicare Advantage, despite my having asked her specific questions to which she provided vague, incomplete answers. Her email responses, were incomprehensible. Yes, agents get much more money for signing people up to Medicare Advantage. She did not answer my question about different amounts agents get for different plans her customers choose. People have the birthday rule in California but what she failed to tell us was that you can only trade down to a policy of lesser value. I don't believe it's so easy to ever get out of Medicare Advantage. Do your research and don't sign up at the first meeting. read more

Teresa has been so helpful in assisting me with my Medicare plan. I was grateful for all her assistance and recommending a plan that would fit my needs. She is very knowledgeable and helpful. I highly recommend her. read more

Teresa helped my mom with getting better and less expensive health insurance. She is top notch and helped her every step of the way!! I recommend her to everyone !!!! She is such a professional and just amazing!! read more

I cannot thank Teresa Kasam enough for all of her support, wisdom, and patience in working with me and helping me sign up for Medicare. She' spent a great deal of time answering all of my concerns and questions. I am so grateful to her. I feel so much better about the choices that I made, knowing that I was with a caring professional, who really listens, responds to emails quickly, and keeps a schedule so there is nothing pressured or rushed about choosing a Medicare plan. I also want to add that I know I couldn't have gone through this process without an advisor there to help me address, my specific healthcare needs.. It is so helpful for a single woman like myself to have a knowledgeable advocate in making the best decisions for the next chapter of my life. Many, many thanks read more

Teresa was able to help me and my family understand the options for their Medicare coverage. Her insight gave us the sound advice we needed to make a crucial decision that impacts the physical and financial wellbeing of our family. From the bottom of our hearts, thank you read more

Teresa is absolutely the best! I found her on YELP and read all the wonderful reviews and thought I would take a chance on her since I was at the end of the rope and my mind in trying to find the best medical insurance for my mother wherein all her doctors and hospitals were in one. From the beginning of me reaching out to her, she texted me right away while on her holiday vacation and acknowledged my call and what my needs where. While she was still on holiday vacation, she worked tirelessly to find the right insurance for my mother, took the time to explain the process to me, and took the time to explain the insurance inside and out to me over the phone and great length and with such great patience and at night when she should have been with her family. Teresa went out of her way to call all of my doctors I was wanting to go to, including the hospital where my mom is going to have her back surgery to make sure we were selecting the right insurance. I am a very particular person and as a paralegal, I research everything and confirm everything over and over and Teresa does just that. She really cares about what she does and is a workhorse. Do you yourself a favor and do not waste time with anyone else - GO TO TERESA. SHE LITERALLY SAVED MY MOM'S LIFE AND NOW MOM CAN FINALLY GET HER SORELY NEEDED BACK SURGERY! :) read more

Teresa has a wealth of insurance knowledge and set Is up with the right plan right away. As times change she has the right advice and always keeps Us on top of any changes that happen. I highly recommend her. read more

I feel extremely fortunate finding Teresa, she helped navigate changing a Medicare Advantage plan to one more appropriate for my 88 year old Mother. I've tried reaching out to other consultants in the Orange County region, particularly Costa Mesa, without a whole lot of success. Teresa was quick to respond and followed through with plenty of information over the course of several weeks to help us in our decision. She was well aware of the 2022 Hoag Hospital vs. Newport Physicians Group situation that created a lot of confusion for us and our Mom (I don't live in the area) and could refer Primary Care Physicians based on her clienteles' recommendations which would be in our Mom's new Medicare plan. When we made our appointment, Teresa was prompt even with an obscure location and was very personable. She is great with Seniors as my Mom absolutely loved her, but I can see she genuinely cared about getting the right plan appropriate for my Mom's need. For that I'm very grateful, thanks Teresa! read more

With all the build up... I was dreading to enroll in medicare, how confusing it can be and just an overall hassle. Teresa made the process so easy I felt like I had a personal assistant for the whole process. I couldn't be happier. It was an easier experience than enrolling in group insurance at my former place of employment! She explained everything thoroughly and I had very little confusion about the whole process. read more