More than one in five is 65 or older on the shore, one in ten downtown
The ten Long Beach ZIP codes on this page are 90802, 90803, 90804, 90806, 90807, 90808, 90810, 90813, 90814 and 90815. Together they are home to 373,686 people. Of those, 52,820 are 65 or older, which comes to 14.1 percent. Los Angeles County's share is 15.2 percent. Of the households in these ten ZIP codes, 41.6 percent own their home. The county figure is 45.9 percent. Two of the ten ZIP codes run well above 14.1 percent. In Belmont Shore and Naples, 90803, 7,105 people are 65 or older, or 22.5 percent, and half the people there are older than 47.4. In Lakewood Village, 90808, the count is 8,304, or 21.1 percent, and the median age is 44.8. More than four in five households there own their home (82.5 percent), and the median household income is $137,855. Downtown's 90813 has 5,352 people 65 or older, or 10.4 percent. Only 15.1 percent of households there own their home, and the median household income is $54,526. On the west side, in 90810, 5,253 people are 65 or older, and 12.4 percent of the people speak Tagalog at home. The share who speak Spanish at home runs from 11.3 percent in Lakewood Village to 57.2 percent downtown. Our source is the American Community Survey, 2020 to 2024. For each count of people 65 or older, we totaled the survey's own age groups.
Three hospitals in town, none of them Kaiser
MemorialCare Long Beach Medical Center, at 2801 Atlantic Ave, is licensed for 411 beds, and College Medical Center, at 2776 Pacific Avenue, for 121. Both are in 90806. St. Mary Medical Center is downtown at 1050 Linden Ave, in 90813, and is licensed for 360. Outside the city to the east, UCI Health Lakewood at 3700 South St is licensed for 172. Kaiser has no hospital in Long Beach. Its members use Kaiser Foundation Hospital Downey, at 9333 Imperial Highway (424 licensed beds), or Kaiser Foundation Hospital South Bay, at 25825 South Vermont Avenue in Harbor City (257). Only a Kaiser plan has either one in network. Each bed count is the licensed figure in California's state records as of September 2026. Five separate systems run those hospitals: MemorialCare, College Medical Center, Dignity Health, UCI Health and Kaiser. With Medicare Advantage, your medical group's contracts set which of them you can use. Two plans from one insurer can rest on different groups, with different doctors, and the groups renegotiate their contracts year to year. So Lara starts with a list: every doctor you see, your pharmacy, and the hospital you would want to be admitted to. Before you sign, she looks up each name in every plan's current directory. Each fall, after plans publish their changes, she runs the list again.
Higher earners on the east side, help with costs downtown
On the east side and the shore, many households earn six figures. Above a certain income, Medicare adds a surcharge to your Part B and Part D premiums, and it is based on your income from two years earlier. So for a year or two after you stop working, the surcharge can still be figured on paychecks you no longer get. Form SSA-44 asks for it to be redone on your lower income, and retirement is one of the life changing events the form accepts. If you travel, or keep doctors on the Westside, Lara also prices a Medicare Supplement next to the Medicare Advantage plans. Then you can decide whether the Supplement's flexibility is worth the premium. Downtown and on the west side, most households rent, and Lara's first question there is about help with costs, not about plans. If your income and resources are below its limits, Extra Help cuts what you pay for Part D drugs. Having Medi-Cal along with Medicare may make you eligible for a Dual Eligible Special Needs Plan. More than half the people in 90813 speak Spanish at home. Lara can hold the whole review in Spanish, enrollment included, or go back and forth between Spanish and English for a family that uses both. If you still work at the port or for the City of Long Beach when you turn 65, you can usually delay Part B. As long as your health coverage comes through that job, you can sign up when you leave, with no late penalty. Coverage from any employer with 20 or more people on the payroll works the same way.
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 Long Beach
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Long Beach 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.
Other policies, kept apart from your Medicare review
Life insurance, final expense and long term care are part of Lara's work too. Each one gets a conversation of its own, separate from your Medicare plan review. Most households in Lakewood Village own their home. For an owner, the long term care conversation covers how you would pay for care and how Medi-Cal's rules treat the house. Once your plan starts, you can still call Lara. She will phone the plan with you about a denied claim, work through a bill that looks wrong, and call your doctor's office alongside you.
Before you choose a plan, call or text Lara at (818) 472-5484 with the name of your Long Beach hospital.
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Nearby Neighborhoods
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