Meet Doug Zirpel
Doug Zirpel has been a trusted independent health insurance broker in California’s Central Valley since 1979. For more than 45 years he has helped thousands of local residents navigate Medicare—especially people turning 65, retiring from group coverage, or looking for better options with their current plans.
Doug is deeply familiar with the doctors, specialists, medical groups, and hospitals that serve the Modesto, Manteca, Stockton, and surrounding Central Valley communities. He works regularly with groups such as Sutter, Hill Physicians, Allcare, and others, so he can help you choose a plan that keeps the providers you already trust.
An independent broker and Medicare AHIP-certified agent (California License 0544547), Doug represents multiple Medicare Advantage, Medicare Supplement, and Prescription Drug plans. This allows him to compare real options based on your doctors, prescriptions, and preferences rather than pushing a single company’s product.
Doug is also active in the local community and frequently works with seniors and senior centers across the Central Valley. He believes in clear, straightforward guidance—no pressure, no confusing jargon—so you can make confident decisions about your healthcare coverage.
Whether you’re enrolling for the first time, reviewing your Annual Notice of Change, or simply have questions, Doug is here to help.
Call or text Doug today: (209) 815-4407Email: [email protected]- 937 Coffee Road, Suite 700, Modesto, CA 95355
Broker since 1979 CA License 0544547 Se habla español
Plans from carriers you know
Doug compares Medicare plans from these insurance companies, so you see more than one option.
Medicare plans, in plain language
Medicare Advantage plans (MAPD), known as Medicare Part C, are private health plans for people eligible for Original Medicare (Part A and Part B), with guaranteed issue in almost all cases. They are an alternative to Original Medicare with a Medicare Supplement and a prescription drug plan. Here is every option Doug can help you with.
- Part C
Medicare Advantage
All of your Part A and Part B coverage through one private plan, and most offer more. HMO, PPO, PFFS, MSA and Special Needs plans.
- Medigap
Medicare Supplements
Keep Original Medicare and let a Medigap policy help pay what it leaves behind: copayments, coinsurance and deductibles.
- Part D
Prescription drug plans
Coverage for outpatient prescriptions, which Part B does not pay for. Join on time and avoid the late-enrollment penalty.
- Extras
Dental & vision
Find vision and dental coverage, inside a Medicare Advantage plan or as a plan of its own.
- Family
Health & life insurance
Health and life insurance, plus help when you have Medicare and Medi-Cal together or need Extra Help.
- C-SNP
Chronic condition plans
Special Needs Plans for people living with diabetes, chronic heart failure, cardiovascular disorders or stroke.
Medicare self quoting is here!
Use, share and explore Medicare plans: research the way you want, when you want. Get quotes from Zirpel Insurance Services in partnership with JAR Insurance Services.
Compare and self-enroll in a:
Medicare Supplement (Medigap) plan Medicare Advantage plan Part D prescription drug plan
You may qualify for a Medicare Advantage program that will continue to cover these benefits
Vision Over-the-counter supplies Prescriptions Hearing aids Chiropractic Personal emergency device Acupuncture Podiatry
Benefits vary by plan and county. Doug can tell you which plans near you include them.
What clients say about Doug
Very knowledgeable and helpful with my Medicare coverages.
Doug has done an awesome job taking care of my Medicare and supplement needs. Highly recommend!
Awesome experience! Very professional with every question I asked. Definitely recommend Mr. Zirpel.
I’ve spoken with Doug extensively about how Medicare Advantage plans, Medicare Supplement plans and prescription drug plans work. Doug is very knowledgeable and provided me with useful information to share with my parents.
Doug is a helpful and knowledgeable person. He was a great help with my parents’ and grandparents’ Medicare.
Doug was very helpful and helped me get the best possible insurance. I would definitely recommend him if you are looking for Medicare!
No testimonials yet.
Choosing the right plan begins with a real connection
Call or text · TTY 711
Zirpel Insurance Services
- 209-815-4407
Call or text · TTY 711 - [email protected]
937 Coffee Road Ste 700 Modesto, CA 95355
Get directions- facebook.com/zirpelins
Serving San Joaquin, Stanislaus and Merced counties. California Insurance License 0544547.