Carl Rowens
Call 951-768-2911
Serving Riverside & the Inland Empire · Medicare Certified

Medicare Made Simple

Hi, I'm Carl Rowens, a licensed agent with 20+ years of experience, right here in your community. I'll sit down with you and explain your Medicare options in plain language, at your pace, with no pressure and no cost to you.

Licensed Insurance Agent · Lic #4350946 · Certified with multiple Medicare carriers
Call 951-768-2911 Email Carl
Patient, friendly guidance No pressure, ever A real local person to call
Carl Rowens, Medicare agent
20+ YearsHelping local seniors
About Carl

Patient guidance you can count on.

Turning 65, new to Medicare, or just wondering if your current plan still fits? You don't have to figure it out alone. For over two decades I've helped people understand their coverage and feel confident about their choices.

My approach is consultative and unhurried. We'll talk about your doctors, your medications, and your budget, then I'll lay out your options clearly so you decide what's right. I'm known for being professional, easy to talk to, and always available after you enroll.

Right Here At Home

Your neighbor, not a call center.

When you call a 1-800 number, you get whoever picks up. When you call me, you get Carl, a local agent who knows the Inland Empire, knows the plans available here, and will still be here next year when you have a question.

I'm happy to meet by phone, video, or in person wherever is comfortable for you.

Proudly serving

Medicare help across Riverside County and the Inland Empire, including:

Riverside Moreno Valley Corona Perris Hemet Temecula Murrieta Menifee & surrounding areas
What I Help With

Medicare, explained the easy way.

Whether you're brand new to Medicare or want a second look at your current plan, here's how I can help.

A senior couple reviewing their Medicare paperwork together at the kitchen table
My main focus

Medicare coverage that actually fits your life.

I compare plans from multiple carriers side by side, check that your doctors and prescriptions are covered, and help you enroll, start to finish.

Medicare Advantage (Part C)All-in-one plans, often with extras like dental and vision.
Medicare Supplement (Medigap)Help covering what Original Medicare doesn't.
Part D Prescription Drug PlansMake sure your medications are covered affordably.
Turning 65 & New to MedicareA clear, step-by-step walkthrough so nothing is missed.
Annual Plan ReviewsPlans change every year, so let's make sure yours still fits.
Talk Through My Options

Also available if you need it

Beyond Medicare, I can help you and your family with these as well.

Supplemental Health

Extra Protection
Hospital IndemnityCancerCritical IllnessAccident

Life & Final Expense

Peace of Mind
Whole LifeTerm LifeFinal Expense

Dental & Vision

Everyday Coverage
Individual DentalFamily Plans

Health & ACA

Under-65 Coverage
ACA MarketplaceIndividual Health

Property & Casualty

Employer Coverage
Workers' CompensationGeneral Liability

Pet Insurance

For the Whole Household
Pet Coverage
How It Works

Three easy steps. No pressure.

01

We Talk

A relaxed conversation about your doctors, your medications, your budget, and what matters most to you.

02

I Explain

I compare your options in plain language, no jargon, no pressure, so you understand every choice clearly.

03

I Stay With You

I help you enroll and stay by your side afterward, ready to answer questions whenever they come up.

Common Questions

Medicare questions, answered plainly.

Does it cost anything to work with you? +
No. There is no cost to you for my help. I'm compensated by the insurance carriers, so you get personal guidance, plan comparisons, and enrollment help at no charge, and you pay the same plan premium whether you use an agent or not.
When can I enroll or change my plan? +
If you're new to Medicare, you have a 7-month window around your 65th birthday. Most people can also review and change plans during the Annual Enrollment Period, October 15 to December 7 each year. Certain life events (moving, losing coverage, and others) may open a Special Enrollment Period. Not sure which applies to you? Just call, I'll let you know.
What's the difference between Medicare Advantage and a Supplement? +
In short: a Medicare Advantage plan bundles your coverage (often with extras like dental, vision, and prescriptions) usually through a network. A Medicare Supplement (Medigap) works alongside Original Medicare to help pay costs it leaves behind, with more freedom to see any doctor that accepts Medicare. There's no single "best"; it depends on your situation, and that's exactly what we'll sort out together.
Will my doctors and prescriptions be covered? +
That's one of the first things I check. Bring me a list of your doctors and the medications you take, and I'll compare plans to find ones that keep your providers in-network and your prescriptions affordable.
I already have a plan. Should I still talk to you? +
Yes, plans change their costs, networks, and drug coverage every year. A quick annual review makes sure your plan still fits your needs and budget. If it does, great. If a better option exists, you'll know about it.
Are you local? Can we meet in person? +
Absolutely. I serve Riverside and the surrounding Inland Empire and am happy to meet by phone, video, or in person, whatever is most comfortable for you.
Get In Touch

Have a question? Just call.

Reach out any time for a friendly, no-pressure conversation about your Medicare options. There's no cost and no obligation. I'm glad to take the time to help. Thank you for your consideration.

Kind regards, Carl Rowens

Call or Text951-768-2911
Emailcarlrowens7117@gmail.com
Service AreaRiverside & the Inland Empire
Tap to Call Carl · 951-768-2911