Where San Pedro's 14,944 people 65 and older live
Most of them, 9,384, live in 90731. That is 15.1 percent of its 61,944 people. The median age in 90731 is 38.6, and the median household income is $76,395. Of the households there, 32.6 percent own their home, so about two in three rent. About one in four people on the Palos Verdes side is 65 or older: 5,560 of the 23,067 who live in 90732, or 24.1 percent. The median age there is 46.8, about eight years higher than in 90731. The median household income is $120,807, and 72.1 percent of households own their home. Across both ZIP codes, San Pedro has 85,011 people, and 17.6 percent are 65 or older. The figure for Los Angeles County is 15.2 percent. Of the 32,585 households in the two ZIP codes, 14,337 own their home, or 44.0 percent, a little under the county's 45.9 percent. The source for every number here is the 2020 to 2024 American Community Survey. The 65 and older counts are totals of its age brackets, not estimates from a percentage. Among those 5 and older in 90731, 37.8 percent speak Spanish at home, and 53.6 percent speak only English. The 90732 figures are 15.2 and 68.2 percent.
One hospital in San Pedro, four more to the north
Providence Little Company of Mary Medical Center San Pedro, at 1300 W 7th St in 90732, is licensed for 158 beds. North of town, Harbor-UCLA Medical Center at 1000 W Carson St has 415, Torrance Memorial Medical Center at 3330 Lomita Blvd has 548, and Providence Little Company of Mary Medical Center Torrance at 4101 Torrance Blvd has 332. In Harbor City, Kaiser Foundation Hospital South Bay at 25825 South Vermont Avenue has 257, and only a Kaiser plan counts it as in network. California's licensing records are the source for all five counts, as of September 2026. Two of the five, the hospital in town and the one on Torrance Blvd, are Providence's. Harbor-UCLA is the county's. Torrance Memorial and Kaiser each belong to a separate system. The medical group a Medicare Advantage plan works through decides where you are admitted, so one plan can keep you on 7th Street while another sends you up the 110. The contracts between medical groups and hospitals change from year to year, and a plan's name tells you nothing about them. Lara searches each plan's directories for your hospital, your doctors and your pharmacy, one name at a time. She repeats that search each fall, after plans announce their changes.
Retiree plans, Extra Help and the Part B surcharge
Retiree coverage from the waterfront or a union trade has its own rules about Medicare, and those rules come before any plan comparison. Some of these plans go on paying and fill in around Medicare. Others stop when Medicare starts. Many will not let you return if you leave for a Medicare Advantage plan. Ask the plan for its benefit booklet before you change anything, and Lara will read what it says about Medicare with you. In 90731, about two in three households rent. If rent takes most of a fixed income, ask about help with costs before you look at plans. With a low income and modest savings, you may qualify for Extra Help, which lowers the cost of your Part D drugs. If Medi-Cal covers you along with Medicare, ask about a Dual Eligible Special Needs Plan too. Nearly four in ten people in 90731 speak Spanish at home, and Lara can go through all of it in Spanish. The median household income in 90732 is $120,807. If you earned well in your last working years, you may pay a surcharge on your Part B and Part D premiums. It is set from your tax return of two years before, so for a year or two after you retire you can be billed on a salary you no longer earn. After a life changing event such as retirement, you can ask for a correction on Form SSA-44. Seven in ten households in 90732 own their home. For an owner, long term care brings two questions: who would pay for care, and where the house stands under Medi-Cal's rules. Lara sells long term care coverage and talks it through in a separate conversation, never as part of the Medicare review.
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 San Pedro
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for San Pedro 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 San Pedro
Lara compares three kinds of Medicare coverage: Medicare Advantage, Medicare Supplement and Part D plans. If you want to talk about long term care, life insurance or final expense coverage, she sets that up as its own conversation, apart from your Medicare review. Once your plan starts, she gets on the phone with you when the plan turns down a claim or a bill comes with a mistake on it. She will stay on the line with you when you call a doctor's office, too.
Before you drop a union or waterfront retiree plan, call Lara at (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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