Meet Our Team

One size does not fit all. Our clients are all looking for different things out of their health plan. How can you be sure that you are selecting the right plan for your needs?

Enrolling in Medicare can be a very confusing time! Selecting the right plan for your needs could end saving you a lot more down the road. Take the time to consider your options and compare your plan benefits.

You have worked hard to earn your Medicare benefits, now let us help you maximize those benefits. Let us help take the stress out of selecting the right Medicare health plan. You have a lot of options to consider but we can help you find the plan that fits your needs. Every year we certify with all the major Medicare health plans so we can help you compare and make an informed decision. Contact us today to schedule a no-cost plan review and find out how we can help you:

Understand the enrollment periods and when you are eligible to get started
Learn about all your plan options
Compare your out of pocket costs
Research the cost of your prescriptions
Find a plan that will accept your doctor
Find a plan that is accepted at your preferred Hospital
Prepare for your next doctor visit

Josie Melo

Founder and President

Josie Melo is the Founder of Mosaic Health& Life Ins. Services, specializing in Medicare Insurance. Her 14 years of experience and business expertise as the first hire and top producing Agent for CareMore Health Plan in San Jose to Sales Manager for two FMOs to establishing Mosaic as a highly regarded Agency. Mosaic recruits, trains and develops Professional and knowledgeable agents to achieve any level of success they are willing to work for. Mosaic's reputation and relationships with Carriers and Medical groups provides unique opportunities for our agents. Josie's passion and direction has helped Mosaic expand from the Bay Area to Sacramento and San Diego.

Ryan Dorigan

Managing Partner

Prior to joining Mosaic as a partner, Ryan spent14 years as the Regional Sales Manager with Applied General Agency. He was essential in helping AGA qualify as a Soaring Eagle Agency on the NAHU Leading Producers Round Table. Ryan has over 10 years’ experience recruiting, training, and helping agents grow a successful Medicare business. It was in this role that Ryan worked with the planning committee to help organize the very first Senior Summit back in 2013. He is passionate about the role of the independent broker and has traveled to Washington D C and Sacramento many times to lobby on behalf of agents to educate politicians on the essential service independent agents provide.