Medicare Agent

Jim enjoys working as a Bridlewood agent specializing in Medicare and other products for the Senior market. A natural “people person”, he enjoys meeting with people in their homes and helping them find a solution that works best for them. Many Seniors who are aging into Medicare, experience this as a time of confusion and one of “information overload”. Jim’s approach to this overload is to demystify Medicare through a short, well prepared presentation of the options available to the Medicare recipient.

Born and raised in Santa Monica / West Los Angeles, Jim started his adult life by entering military service in the US Air Force the day after turning 18, receiving an Honorable Discharge 4 years later. He continued his career as an aircraft technician over the following several years working as a Department of Defense employee. Eventually, he moved overseas living and working in several different nations, finding his life partner some years later in Sweden. When his two sons turned 9 and 12, he and his family moved back to his native California, establishing his new home in the city of Oceanside. He worked his first couple of years in the U.S. as a consultant in the Med-tech Industry, helping U.S. companies get their medical devices on the market in Europe. In 2014, he made a career change to the insurance industry. He is licensed in both California and Minnesota, and focuses the largest part of his insurance services on the senior market with Medicare products. He also works with individual and group health insurance, life insurance, travel insurance and annuities.

He and his family love to travel, and he has been to over 50 countries and 4 continents. He speaks 4 languages, English, Chinese Mandarin, Russian and Swedish, although could only claim being fluent in English and Swedish. In 2007 he graduated from University of British Columbia School of Intercultural Studies.

Please feel free to give Jim a call to discuss Medicare options, as well as other insurance services. His services are always at no-cost to the customer.

David received his degree from the University of Redlands.  He also has over 25 years of experience in the insurance business.  His areas of expertise are with Medicare Advantage, Supplement and Medicare-Medicaid plans.

David enjoys working at Bridlewood Insurance because of their amazing agent support and the vast product offerings, and he feels they are really nice people to work with.  He has a passion for educating and working with seniors, and really enjoys the satisfaction he gets when his clients thank him for making the difficult topic of Medicare seem so easy.

Being born and raised in California, David can’t imagine living anywhere else.  He and his wife Susan have been married for over 44 years, and they have four adult children.  Todd (42), Tyler (36) and Trevor (32) all live and work in Utah.  His daughter Tricia is married to Ben.  David and Susan also have 4 grandchildren – Tatum (15), Lincoln (13), Saylor (11) and Nash (8).   In his spare time, David enjoys fishing, golf and travel.

Kent is a born and raised San Diegan. He worked a 40 plus year career in the office products and furnishing business. Starting as a delivery driver at 17, working through the ranks to become a small business owner for most of his career. Kent has seen many changes in the San Diego county area. In 2008 when the economy became troubled, having foresight, he choose to retool and along with his wife Deina (also a Bridlewood agent), started a new venture in the Health and Medicare insurance industry.

Now as leaders in their field with over 1,100 clients, they have built their business by making sure to “always keep their clients best interest first and foremost” in everything they do. Because this is first in how they conduct their business, 95% of their new business comes from current client referrals. They make sure their client is in the best plan for their situation and are available to answer questions most anytime that a client might have. They return calls! Kent and Deina have 4 children and 8 grandchildren. They reside in San Diego Country Estates in Ramona.

He has heard it said, “If you love what you do, you never have to work a day in your life” Well, in April of 2021, I will be writing my own Medicare policy. Will be turning 65.  Kent never plans on retiring as he loves meeting new people, as well as speaking to anyone of his over 1,500 clients. Many times we speak just to say hello or answer any questions that come up.  Kent and Deina love to travel and had big plans, but Covid put a hold on that. So, they love working in the yard and keeping their cars in showroom condition.  They also love to hike, bike, swim and play pickleball, and sometimes tennis when the joints are up for it.

For many years, Deina’s career was with a large wholesale nursery, and her background was in Horticulture and Landscape Design.  She received her degree in Horticulture from Cuyamaca College.  She manage the Target Garden Shops for the wholesale nursery.  In 2009, when Target decided to close their garden departments, she decided to shift gears with a new career in Medicare.  With more than a decade of experience in the Medicare field, Deina can help guide her clients through the cumbersome Medicare process.  Whether you are just turning 65, or retiring from an Employer plan, she can help you every step of the way!

Deina, along with her husband Kent, joined Bridlewood after a friendship with Jeff Wetzel that began many years ago while they all worked at United HealthCare, which turned into a terrific business opportunity.  The choice to join Bridlewood was an easy one, as she would now be able to offer many Medicare options and carriers to her clients, friends and family. Her priority has always been to do what best for the client, and she didn’t feel she could do that when she could only offer them plans from one company. She loves to meet new people, find out what their needs are, and find the best plan that will give them peace of mind and confidence in their Medicare choices.  Putting the client first has always been Deina’s motto. With this in mind, she has managed to keep growing her business through referrals. She publishes a newsletter throughout the year and shares important facts with her clients and prospects.  Once you are Deina’s client, she will strive to continually serve you.  She offers her clients Supplemental plans through many top carriers, Medicare Advantage plans that work within a specific medical network, and Prescription Drug plans that help cover many of their prescription costs, with an emphasis on making sure you the find the best possible plan, at the right price, and keep your current doctor, if you like.

Deina and Kent have been long time residents of East County.  She attended High School in El Cajon (Granite Hills), raised her two sons in El Cajon and now has 4 grandchildren in El Cajon. In 2010 they moved to Ramona, and they love the more rural life. But, don’t let her zip code detour you, becomes Deina comes to you!
They have four adult children and eight grandkids. Papa and Mimi are their favorite names to hear.  She loves the flexibility her job gives her to spend a lot of time with her grandkids. When she’s not babysitting, Deina plays in a women’s tennis league, and enjoys hiking, camping, and their dog “Prince”.  This year, many lifelong dream trips were cancelled due to The Corona Virus, but she hopes they can reschedule those next year!

Jamie loves working with the senior community, and providing education to them about Medicare.  She truly enjoys how grateful her clients are for her caring, knowledgeable approach.  She chose to work at Bridlewood because they have the same core value . . . Do what is right for the clients, EVERY time!  Jamie also appreciates the education and support that Bridlewood gives all it’s agents.

After living in San Diego for 30 years, she and her husband, John, moved to Riverside County in 2019.  Jamie and John have been married for nearly 30 years, and have two grown children, Brandon and Lauren, and a sweet 5-year old granddaughter named Charlotte.  Their family also includes their 15 year old dog Bailey, and their little kitten, Cali.  In her spare time, Jamie enjoys camping, jet skiing, horseback riding, painting, and the list goes on and on.  But her favorite pastime is spending time with her family!

Jim has been a Licensed Life and Health Agent since 2009. He has active licenses in California and Texas. Jim has been a Medicare agent for 4 years. His favorite part of his jobs is helping others.

As an agent, Jim can walk his clients through the different parts of Medicare, and what their options are for coverage. By going through the items that are important to his clients – doctors, specific health concerns, prescription medications, travel or living in different areas of the state or country, etc. – he can help his clients confidently make the choice of the most appropriate plan to meet their needs.

Bridlewood Agent

Amber Ramirez was born and raised in Ramona, which is where her office is located. Amber’s stepfather opened the agency alongside her mother in 1971, and the family owned and run agency has been on the same street corner for 54 years.

In 2004, when Amber first started out as a Farmers agent, she started with zero policies while her mother had about 800. In 2006, her mother fully retired and Amber purchased the agency. Since taking it over, Amber has more than doubled the size of her number of clients, with 800 policies having grown into about 2,500.  Amber attributes a lot of that success and growth to the marketing and networking that she does in the community. Amber has been a Chamber Director for 15 years and she has been part of the Ramona Rotary Club since 2005, along with being the president of Rotary in 2013-2014.  Amber understands the importance of community and knows that Ramonans has never failed to support one another. That is one thing she loves – helping so many people in her own hometown.[/read_more]

Tina received her Bachelor’s Degree in Psychology from California Baptist University, and holds a California Real Estate license and Insurance license.  She has been involved in real estate for almost two decades, and has worked in Medicare for more than 5 years, specializing in Medicare Advantage, PDP and Supplement plans.  She joined Bridlewood when she discovered they mirrored her values and work ethic.  She believes the most important part of life, is people loving people.  She enjoys becoming friends with her client and building a life-long relationship based on trust.  Tina feels honored that they trust her and allow her to help them with the health insurance needs.

Born in Oklahoma, Tina moved to California from Missouri in 1997.  She currently resides in Riverside, CA with her two daughters, Rhianon (26) and Allina (19).  Tina loves volunteering in her community, traveling and serving in her church.

Cindy is passionate about providing education to Medicare recipients in Southern California, breaking down often complicated and overwhelming information into smaller, easier-to-understand modules. She enjoys staying connected with her clients and becoming your ally on your Medicare journey as well as your primary point of contact for all your Medicare questions.

Cindy received her Bachelor’s Degree in International Business and Marketing from California State University Long Beach. She is passionate about helping people protect their greatest assets – their health and financial wellbeing. For more than two decades, Cindy has worked in a variety of roles with nonprofits and foundations dedicated to enabling individuals and communities to thrive at different stages in their lives, which included helping people earn college degrees, become entrepreneurs, and achieve the dream of homeownership.

Cindy became a fully-licensed life and health insurance agent with a focus on providing education and awareness about complicated insurance options so that Medicare recipients can make an informed decision about which plan is best for their unique needs. As a native Spanish speaker, Cindy served as First American Corporation’s spokesperson and Public Relations contact for Spanish-language media. She also managed FAC’s homeownership foundation, serving as the primary point of contact for nonprofit partners.

She has been married to her husband Carlos for almost 20 years, has 3 daughters and one dog. Cindy loves the outdoors, whether it be hiking, at the beach, or in the mountains, nature is her zen place. She also loves to travel and prefers to not visit the same place twice to provide her daughters with a broader view of the world.

Cynthia has her Bachelor of Science degree in Biochemistry and Biology. She planned on going into medicine, but decided that raising her children was more important. She has been serving people since her very first job, tutoring fellow students in junior high.  Cynthia became a licensed insurance agent in 2010. Her early years were spent selling final expense insurance, where she built a large client base of wonderful people.  Cynthia transitioned to health and Medicare products about 4 years ago. Her specialty is Medicare Advantage plans; she offers other products as well. She is contracted with all the major companies and some local ones, also. She is new to Bridlewood Insurance, and believes the company reflects her desire to serve clients with excellence.

Cynthia has a passion for helping people find the right product, save money and serve their best interests. She enjoys regular contact with her clients and is available to answer plan related questions throughout the year.  “In Medicare, annual reviews do not mean taking more money out of the household the way life insurance products do. Life insurance is essential and loved ones benefit from the decision to buy it. However, there are no immediate financial benefits to it. Medicare Advantage plans, when properly recommended, save clients money immediately. It is a joy to help clients achieve the results they need from their health plan.”

Born and raised in California’s Inland Empire, Cynthia lives just a few miles from the house her grandparents built in the 1940s. She has 3 grown children, who are
her pride and joy. She doesn’t mind saying she sometimes lives vicariously through them! Her oldest son is a mental health attorney, her daughter is in the navy, and her youngest son, a former Peace Corps volunteer, works for the US Department of Fish and Wildlife. No parent could be more proud. Cynthia has pets, enjoys gardening, and works on projects in her home. She is a “Jane of All Trades, Mistress of None!” She plays the piano and violin and enjoys international travel. She likes to snorkel and is getting her scuba diving certification.