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Meet Your Agent

Learn about my personal commitment to your care.

John Lobertini, A Guide for Your Medicare Journey

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After a long career in the Television, Radio and Digital news business I decided to try something new and 5 years later I’m here to help you make informed decisions about Medicare Insurance. My background covering complex issues has prepared me to simplify the many details that sometimes make Medicare Insurance confusing.

Plans for Your Peace of Mind

I specialize in guiding clients through Medicare Advantage plans, Supplemental plans, Long-Term Care, and Life Insurance. Many clients comment about how approachable and helpful I am – providing clear answers and personalized support tailored to your needs. 

Clear Communication & Honesty

What sets me apart as your Medicare agent is my commitment to clear communication, honesty, and putting your best interests first. I take the time to understand your individual situation and goals so that I can recommend the health insurance plans that truly fit your lifestyle and budget. Navigating Medicare can be overwhelming, but with me by your side, you’ll have a knowledgeable, trusted advocate who simplifies the process and helps you make confident decisions.

Dedicated to Your Family's Health

Personally, I’m the father of 4-children and a new grandson in 2024. I understand how important healthcare choices are for you and your family. That’s why I’m committed to making this process as clear and stress free as possible.

Nature of Health Insurance

Health insurance is a type of coverage that helps protect individuals and families from the high costs of medical care. It works by paying for or reimbursing a portion of medical expenses incurred from illnesses, injuries, doctor visits, hospital stays, prescription drugs, preventive care, and other healthcare services.

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A Quick Look

At its core, health insurance is a risk management tool designed to make healthcare more affordable and accessible. Instead of paying out-of-pocket for expensive medical bills, policyholders pay regular premiums to an insurance company, which then covers part of their healthcare costs according to the terms of their policy.

The Different Plans

Health insurance plans come in many forms, including employer-sponsored group plans, government programs (like Medicare and Medicaid), and individual or family plans purchased privately. Coverage options vary widely, with differences in premiums, deductibles, co-pays, provider networks, covered services, and prescription drug benefits.

The primary goals of health insurance are to:


  • Provide financial protection against unexpected or costly medical expenses
  • Facilitate access to a wide range of healthcare services
  • Promote preventive care and early treatment to improve health outcomes

Making an Informed Choice

Choosing the right health insurance plan involves balancing coverage needs, affordability, and access to preferred doctors and treatments. Because health insurance policies can be complex, many people rely on licensed agents or brokers to help understand options and select the best plans for their unique circumstances.

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The Grace Agency

Nevada: (702) 720-3151|Northern California: (916) 314-0630 | Los Angeles: Orange County: San Diego: (877) 393-9935 | Arizona: Kansas: Georgia: Tennessee: (404) 947-7033 | Email: johnlobertiniagent@gmail.com

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