Tell Me What’s Going On
Share your work, current coverage, doctors, prescriptions, timing, and the questions keeping you stuck.
California Medicare Help
Turning 65 in California. And Not Retired Yet?
Get patient, plain English guidance for employer coverage, self employment, Covered California, spouse coverage, HSAs, and Medicare timing.
CA License #457009510+ years navigating complicated rules
One person. One direct number. No call center. No pressure.
California LicensedDirect Help
Serving Orange County & Californians Statewide
Start with your situation
Which one sounds most like you?
Still Working at 65
Understand employer size, Part B timing, creditable coverage, and HSA rules before changing anything.
Start hereSelf Employed / Covered CA
Coordinate Medicare with individual or Covered California coverage while your work continues.
Start hereCovered Through My Spouse
Review active employment coverage, employer size, costs, and the timing of a future transition.
Start hereAlready Have Medicare
Ask questions about your current coverage, prescriptions, doctors, or changing needs.
Start hereScott’s differentiator
Ten years around complicated rules taught me to slow down and get the details right.
Before Medicare With Scott, I spent more than a decade managing operations for a large tax firm. I saw how stressful complex IRS rules can feel when real money, deadlines, and life changes are involved.
That background shaped how I help with Medicare: listen first, identify the details that change the answer, do the research, and explain the options patiently. You make the decision; I make sure the rules feel understandable.
Scott Bubel and Medicare With Scott do not provide tax advice. Consult a qualified tax professional about your individual tax situation.
What happens when you call
A simple conversation. No pressure.
I Do the Medicare Homework
Scott reviews the rules, dates, and coverage paths that apply to your specific situation.
You Make the Decision
You receive clear comparisons and straight answers, then decide what feels right for you.
Real Medicare questions
The questions I help Californians answer.
Can I delay Part B while I’m still working?
It depends on active employment coverage and employer size, not simply whether you have insurance.
When do HSA contributions need to stop?
Medicare enrollment and possible retroactive Part A coverage can affect the right stopping date.
What happens to Covered California at 65?
Eligibility for Part A without a premium can change subsidy eligibility, so the transition deserves careful timing.
Can I stay on my spouse’s plan?
Often, but employer size, plan costs, drug coverage, and future retirement timing all matter.
Is COBRA the same as active employer coverage?
No. COBRA generally does not protect a delayed Part B enrollment the same way active coverage can.
Which Medicare option fits how I use care?
Doctors, prescriptions, travel, budget, and comfort with networks help frame the comparison.
Why work with Scott
Help built around your real life, not a script.
California Focused
Orange County roots with guidance available to Californians statewide.
Working at 65 Focus
Extra attention to employer plans, self employment, spouse coverage, and HSA timing.
Plain English Education
Rules and tradeoffs explained clearly so you can make your own informed decision.
Direct Relationship
You work with Scott—not a call center or a chain of handoffs.
Flagship guide
Still working at 65? Start before you enroll or delay.
Employer size, active coverage, spouse coverage, HSA contributions, COBRA, and Part B timing can all change the answer. Learn the questions to ask before making a move.
Read the Working at 65 GuideEmployer size and who pays first
Part B special enrollment rules
HSA contribution timing
Spouse coverage and COBRA
Medicare options
Understand the parts before comparing the tradeoffs.
Original Medicare
Part A and Part B form the federal foundation. Many people add separate prescription and supplemental coverage.
Learn moreMedicare Advantage
Private plans provide Part A and Part B benefits and often include Part D, with networks and rules that vary by plan.
Learn moreMedigap
Supplemental coverage works with Original Medicare to help with certain costs you would otherwise pay.
Learn morePart D
Prescription coverage should be compared around your actual medications, dosages, and pharmacies.
Learn moreCalifornia turning 65 checklist
Know what to review and when.
Request the California focused checklist for dates, documents, employer questions, HSA notes, and coverage decisions to review before 65.
Medicare in plain English
Short lessons for the questions that come up first.
About Scott
One person, from the first question through enrollment and beyond.
Scott Bubel is a California licensed health insurance agent who combines a decade of experience navigating complex rules with patient, personal Medicare guidance. You will speak directly with Scott, without call center handoffs or pressure.
CA License #4570095
Meet ScottMedicare FAQs
Good questions deserve clear answers.
California service area
Orange County roots. California-wide help.
Scott serves people across California by phone and video, with a local focus on Orange County.
IrvineNewport BeachCosta MesaHuntington BeachLaguna BeachMission ViejoAnaheimFullertonAll California
Your next step
Still not sure what you’re supposed to do at 65?
Bring the situation as it is. Scott will help you identify the questions, dates, and choices worth reviewing.