How 90712, 90713 and 90715 compare
Lakewood's three ZIP codes hold 79,203 people, and 11,882 of them are 65 or older. That is 15.0 percent, a hair under 15.2 percent countywide. The share hardly changes from one ZIP code to the next, running from 14.7 to 15.2 percent. Income, homeownership and the language spoken at home change a great deal. 90713, on the east side, has 4,279 people 65 or older (15.2 percent) and a median age of 41.9. Its median household income is $133,419, and owners live in 85.4 percent of its occupied homes. 90712, the west side around the hospital, has 4,541 (14.7 percent), a median age of 37.8, a median household income of $122,435 and an ownership rate of 75.5 percent. 90715, in the south, has 3,062 (15.2 percent), a median age of 38.3 and a median household income of $91,875, and owners live in 48.4 percent of its occupied homes. Across the three ZIP codes, the ownership rate is 72.3 percent. Countywide, it is 45.9 percent. Among people 5 and older, 23.7 percent speak Spanish at home in 90712, 16.2 percent in 90713 and 31.1 percent in 90715. The shares who speak only English are, in the same order, 60.7, 75.2 and 47.2 percent. In 90715, 8.1 percent speak Tagalog. Lara can do the plan review in Spanish. Tagalog is not one of her languages, so a son or daughter who speaks it is welcome to sit in. These numbers come from the 2020 to 2024 American Community Survey. For the counts of people 65 and older, we added the survey's age groups together instead of working back from a percentage.
UCI Health Lakewood and four hospitals around the city
UCI Health Lakewood is at 3700 South St, inside 90712. It is licensed for 172 beds and has an emergency department. MemorialCare Long Beach Medical Center, at 2801 Atlantic Ave to the south, is licensed for 411. North in Downey, PIH Health Downey Hospital at 11500 Brookshire Avenue is licensed for 199. Kaiser Foundation Hospital Downey, also to the north at 9333 Imperial Highway, is licensed for 424, and only Kaiser plans include it in their networks. East, in Norwalk, Coast Plaza Hospital is licensed for 117. Bed counts are what California's licensing records showed in September 2026. UCI Health, MemorialCare, PIH Health, Kaiser and the owner of Coast Plaza are five separate systems, and a plan that covers one may not cover the others. UCI Health Lakewood may be the hospital in town, but that does not make it part of every plan. In Medicare Advantage, the network follows the medical group, not the name of the insurance company. One plan's medical group may admit to UCI Health Lakewood while another's admits to Long Beach or Downey. Both plans can be sold on the same Lakewood street, sometimes by the same insurer. Those group contracts are renegotiated, and a hospital can be in a plan one year and out of it the next. Send Lara a list of your doctors and your pharmacy, and tell her where you would want to be admitted. She checks each name in the provider directory of every plan on your shortlist before you enroll. Each fall, once the plans post what is changing, she checks again.
The money questions differ by ZIP code
Median household income is $133,419 in 90713 and $122,435 in 90712. In those two ZIP codes, Lara checks whether you owe the surcharge that Part B and Part D premiums carry for higher earners. Social Security bases it on your tax return for the year before last. If your income is lower now because you stopped working, or because of another life changing event, send Social Security Form SSA-44 and ask for the lower figure to be used. Owners live in three out of four homes in 90712 and in more than eight in ten in 90713. When a paid off house is the family's main asset, settle the long term care question early. Work out who would pay if one of you needed care, and how the house would figure under Medi-Cal's rules. Long term care coverage is something Lara can help with, in an appointment of its own rather than during your Medicare plan review. Just over half the households in 90715 rent, and the median household income is $91,875. Lara starts reviews there by asking about help with costs. The plan comparison comes second. Extra Help brings Part D drug costs down for people whose income and savings qualify. If Medi-Cal covers you as well, Lara adds Dual Eligible Special Needs Plans to the comparison.
Medicare Advantage across Los Angeles County in 2027
About 57 percent of Los Angeles County's 1.7 million Medicare beneficiaries are enrolled in Medicare Advantage or another Medicare health plan (CMS, May 2026). The county has 70 Medicare Advantage plans open to general enrollment in 2027, plus 54 Special Needs Plans, and 60 of the 70 charge a $0 monthly plan premium (CMS 2027 Landscape file). What varies far more is the out of pocket maximum, the most you pay in a year for covered care in network: our analysis of the same file puts the average at $2,232 and the median at $1,500, with a range from $199 to $9,850.
Lara is a licensed insurance agent. Insurance companies pay her when you enroll, so her help costs you nothing and your premium is the same with or without her.
How Lara is paidIndependent Medicare help in Lakewood
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Lakewood families. No single insurance company employs us or decides what we recommend, so the comparison starts with your doctors, your prescriptions and your budget. We put Medicare Advantage, Medicare Supplement and Part D plans from several carriers side by side, and you enroll only if one fits. The agency holds CA license 6020069, Lara Goulson holds CA license 0E69969, and we work in English, Spanish and Hebrew.
Coverage Lara handles in Lakewood
Anywhere in 90712, 90713 and 90715, Lara compares Medicare Advantage, Part D and Medicare Supplement plans. She sells final expense, long term care and life insurance policies too, and each one is handled at a meeting of its own. After you enroll, call her when a claim gets denied or a bill does not add up. She will phone the plan or your doctor's office with you.
Have Lara look up UCI Health Lakewood in each plan: (818) 472-5484.
You reach Lara directly · English, Español, עברית · Licensed in 12 states · 5.0 on Google · No cost to you
Nearby Neighborhoods
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