Medicare Agents

Get the Coverage you Need From Your”Local Connection” and Someone you Can Trust. DO NOT Try and do it Yourself. Use a Certified Agent Like Us to Guide you and Answer All Your Questions.

1-805-801-2506

Enrollment Penalties

Postponing enrollment can leave you at risk for penalties and decline of coverage in the future.

Coverage Delays

Postponing enrollment can cause gaps in your coverage and possibly put you at risk for lifetime penalties.

Patty Waldo

Medicare Specailist & Certified Agent

Co-Founder of Kern Golden Girls, Bakersfield, CA.

Over 30 Years Experience

As a Bakersfield native, I have dedicated my career to serving our community through my work with a local medical group. My experience assisting physicians and their staff with Medicare questions has strengthened my ability to be an effective advocate for my clients. Specializing exclusively in Medicare, I take great pride in helping seniors find the right coverage for their needs and connecting them with services that make their lives easier.

Now residing on the Central Coast, I am excited to bring the same level of dedication and care that earned me the title of Bakersfield’s Best for the past three years. I am honored to continue serving Kern County and the Central Coast with integrity, compassion, and expertise. Recognized as a leader among my peers, I remain committed to providing exceptional service to every client I meet.

    We’ve Been Helping For Over 25 Years

    We understand the Medicare enrollment process can be difficult to understand. This is why we strive to educate and empower our clients to make the best decisions for their health insurance coverage. By working with A Golden Life, you are getting the best in the business.

    Medicare Plan Finder

    What Our Clients Say About Us

    ★★★★★

    Call Today 1-805-801-2506

    Client Satisfaction Guaranteed

    The assistance I received from A Golden Life was invaluable. They answered all my questions and helped me find a plan that fits my budget and healthcare needs perfectly.

    ★★★★★

    Mary B

    Outstanding Guidance and Care

    “Patty has helped many of my family members when they were lost and didn’t understand the coverage they had. She took the time to find what worked best for their needs. Would highly recommend the Kern Golden Girls to help.”

    ★★★★★

    Scott H

    Exceptional Service and Support

    “All my inquiries have been dealt with in a professional, helpful, friendly manner. I highly recommend the Kern Golden Girls.”

    ★★★★★

    Sandi P

    Highly Recommend Their Expertise

    I was overwhelmed by the Medicare options available, but Patty Waldo form A Golden Life guided me every step of the way. Her personalized approach made all the difference, and I feel confident in my coverage now.

    ★★★★★

    Emily J

    Recent Updates

    New support for low-income Californians

    Starting January 1, 2025, California introduced two major policy changes to ease Medicare costs for low-income residents:

    • The state converted to a Medicare Part A “buy-in” model, so eligible individuals who aren’t already premium-free for Part A have their Part A premium covered. Justice in Aging
    • People receiving Supplemental Security Income (SSI) will be automatically enrolled into the Qualified Medicare Beneficiary (QMB) program, which helps pay premiums, co-pays, and deductibles. Justice in Aging

    Why this matters: If you’re eligible for both Medicare and Medi-Cal (dual eligible), or you’re low income and on Medicare, these new policies can significantly reduce your out-of-pocket costs.

    Expanded “Medi-Medi” integrated plans across more counties

    As of the annual enrollment period beginning October 15, 2025, the state’s Medi‑Medi Plan program (for people who have both Medicare and Medi-Cal) is expanding into 29 additional California counties. DHCS+1

    Details:

    • These plans combine Medicare and Medi-Cal benefits under a single health plan card, with one care team and unified services. DHCS
    • The expansion brings the total participating counties to 41. DHCS
    • Eligible enrollment period: Oct 15 to Dec 7, 2025 — coverage starts Jan 1, 2026. DHCS

    Why this matters: For dual-eligible members, this means simpler coverage, fewer separate cards and phone numbers, and more coordinated care. It’s especially relevant in counties such as San Luis Obispo, Santa Barbara and others newly added.

    Insurance Carriers Appointed With

    Call Us Today 1-805-801-2506