New to Medicare or planning for retirement?

Cito Insurance Services is an independent insurance agency founded by Central Coast native and Montecito resident, Julia Hood.

Julia Hood


Julia started her insurance and financial services career in San Luis Obispo, California working for a large, national corporation that is based out of Chicago, Illinois. She obtained her Financial Advising licenses and spent 12 years climbing the corporate ladder, rising in the ranks of executive management while also maintaining national recognition as a producer in Medicare Supplement and Medicare Advantage Plan sales.

With a true passion for helping clients protect themselves, their families, and their legacy through insurance and financial solutions, Julia established her own agency with the dream of bringing core values such as integrity, transparency, and customer service to the forefront.

Cito Insurance Services is committed to making the most suitable recommendations, taking into consideration the unique healthcare needs and individual financial situation of every client.

Why you should work with a local broker

Know Your Rights and Options

Working with a licensed insurance agent could provide you insight into all of your coverage options and assist you with narrowing down your coverage choices based upon suitability.

Most clients do not "speak insurance" and navigating through product features and benefits can be daunting. In the insurance world, paying more does not always get you more coverage. Since your individual needs and health situation will likely change year-after-year and certain Medicare plans also have the right to adjust their plan benefits annually during the Medicare Annual Election period, it can be helpful to have a local, licensed insurance agent to contact.

Brokers are compensated through the insurer, and you pay the same premium for coverage whether you enroll through a 1-800 number or through Cito Insurance Services.

The Local Advantage

Insurance coverage options typically vary by region, which means that plan choices, premiums, and provider networks in one zip code could be vastly different from another. Julia Hood has deep roots on the Central Coast, a solid reputation as an industry expert, and a longstanding history of working with the largest and most respected insurers offering coverage in the California Coastal region. It is through these personal and professional networks that Cito Insurance Services provides clients access to essential resources and the most up-to-date information on local Physicians Groups, updates or changes to existing regional plans, and new and exciting coverage options that are emerging into our local market.

follow me

Our Partners

Just a few of the partners we are able to offer products and services from: