(818) 472-5484

    Local Service

    Medicare Help in Watts and Florence at No Cost

    Watts, Florence and Green Meadows span three ZIP codes: 90002 for Watts, 90001 for Florence, and 90059 for Green Meadows and the blocks around the hospital on 120th Street. Lara Goulson works in all three. If you are choosing a Medicare plan, for yourself or a parent, she goes through the options with you and handles the enrollment. You can meet with her at home or by phone or video, in Spanish, English or Hebrew. Goulson Insurance is Lara's own agency, which she founded.

    (818) 472-5484

    Lara Goulson, Licensed Insurance Agent, CA License #0E69969

    Median ages in the early thirties, and 13,064 people 65 and up

    These are young ZIP codes. The median age is 30.6 in 90002, 31.5 in 90059 and 32.5 in 90001. Still, 13,064 of the 145,822 people who live here are 65 or older: 4,941 in 90001, 4,733 in 90002 and 3,390 in 90059. People 65 and up make up 9.0 percent of the population, against 15.2 percent across Los Angeles County. We used the 2020 to 2024 American Community Survey. The 13,064 is a total of its age brackets, not a number worked out from a percentage. Renters outnumber owners. Of 37,024 occupied homes, 14,266 are owner occupied, or 38.5 percent. In 90001 the owner share is 33.6 percent, and in 90059 it is 44.2 percent. Spanish is the home language for 75.5 percent of people 5 and older, and for 83.7 percent in 90001. Those who speak only English at home make up 23.5 percent.

    Young parents on the grass watching their children play under jacaranda trees, a city skyline behind them

    The one hospital inside 90001, 90002 and 90059

    Martin Luther King, Jr. Community Hospital, at 1680 East 120th Street in 90059, is licensed for 131 beds. No other hospital sits inside the three ZIP codes. In Lynwood to the east, St. Francis Medical Center at 3630 East Imperial Highway has 314 licensed beds. Kaiser Foundation Hospital Downey, also east at 9333 Imperial Highway, has 424 and, emergencies aside, serves Kaiser plan members only. Community Hospital of Huntington Park, at 2623 E Slauson Ave, has 81 beds, and California Hospital Medical Center, at 1401 South Grand Avenue, has 392. Both are to the north. Memorial Hospital of Gardena, to the west at 1145 W Redondo Beach Blvd, has 103. The bed counts are licensed totals, as California's state records showed them in September 2026. The hospital on 120th Street may be close to home, but only some plans include it in their networks. In Medicare Advantage, the medical group behind your plan decides which hospitals you can go to, and a hospital can leave a group's network when a contract runs out. One insurer can sell a plan whose group uses Martin Luther King, Jr. Community Hospital and another whose group does not. So bring Lara the names: the hospital you want, your doctors and the pharmacy where you fill prescriptions. She checks each name against the current directory of every plan on your list, before you sign anything and again each fall, once plans announce their changes.

    If you have Medi-Cal when you turn 65

    Half the households in 90059 live on less than $56,152 a year, and half in 90001 on less than $60,767. If money is tight at home, find out what help you qualify for before you pick a plan, since the answer changes which plans fit. If you have Medi-Cal, Medicare does not replace it. A Dual Eligible Special Needs Plan is designed for people who have both, and it makes the two programs work together. Extra Help lowers the cost of Part D prescriptions, and the Medicare Savings Programs can pay the Part B premium. Each has its own income and asset limits. In a few minutes, Lara can tell you where you stand, in Spanish or English, before she shows you a single plan. If your family owns its home, as 14,266 households here do, bring the house into your long term care planning, because Medi-Cal has its own rules about a home. Lara can explain those rules, and the ways people pay for care, in a conversation separate from your 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 paid

    Independent Medicare help in Watts

    Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Watts 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.

    Medicare plan reviews in 90001, 90002 and 90059

    In Watts, Florence and Green Meadows, Lara reviews Medicare Advantage plans, Medicare Supplements and Part D drug coverage with you. Once you are enrolled, call her about a denied claim or a bill that looks wrong. She will phone the plan or your doctor's office with you. For life insurance, final expense or long term care coverage, she sets up a separate conversation whenever you want one.

    Lara takes Medi-Cal and Medicare questions by phone or text 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

    We serve the whole San Fernando Valley and greater Los Angeles. These are the neighborhood pages closest to this one.

    Watts Medicare questions

    Not all of them, and a plan can add or drop the hospital when a contract comes up for renewal. The plan's current provider directory is where to look. Give Lara the plans you are considering, or ask her for options, and she will search each directory for the hospital and for every doctor and pharmacy you use. In an emergency, Medicare rules require your plan to cover you at any hospital, in its network or not.

    Not necessarily. St. Francis Medical Center and Martin Luther King, Jr. Community Hospital each sign their own contracts, so one can be in a plan's network while the other is not. Name the hospital you care about, and Lara will look it up in each plan.

    No. If you still qualify for Medi-Cal, you keep it and add Medicare. Having both also puts a Dual Eligible Special Needs Plan on the table, a plan set up to coordinate the two programs. Whether you still qualify depends on your income and assets, and Lara checks that before she compares any plans.

    Possibly. The Medicare Savings Programs can pay it for people under their income and asset limits. Extra Help, a separate program, lowers your prescription costs under Part D. Lara checks for both at the start, in Spanish or English.

    Yes, from the first call through the enrollment form. Lara speaks Spanish, so no one in the family has to carry the translating. If a son or daughter wants to join, in English or in Spanish, they are welcome on the same call.

    Ask Lara about Medi-Cal and Medicare

    Let Lara know whether you already have Medi-Cal and whether you use Martin Luther King, Jr. Community Hospital, and she will look into both before she calls you.

    By submitting this form, you agree that a licensed insurance agent may contact you by phone or email about your insurance options. Calls and texts by automated technology only if you tick the box below.

    You reach Lara directly · English, Español, עברית · Licensed in 12 states · 5.0 on Google · No cost to you

    Medicare Advantage and Part D disclaimer

    We do not offer every plan available in your area. Currently we represent 14 organizations which offer 93 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the United States Government or the federal Medicare program. This website is a solicitation for insurance. Goulson Insurance Services Inc., CA Business Entity License #6020069. Lara Goulson, CA License #0E69969, NPN 8407942.

    1-800-MEDICARE is available 24 hours a day, 7 days a week.