Tell Me What’s Going On
Share your work, current coverage, 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 #4570095Support doesn’t stop after enrollment.
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 California
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 hereWhat 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 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 premium-free Part A can affect Covered California subsidy eligibility, so the transition deserves careful timing.
Have another Medicare question?
View Medicare FAQsWhy work with Scott
Help built around your real life, not a script.
No TV-ad call center. No rotating agents. You work directly with Scott.
California Focused
Orange County roots with help available to Californians statewide.
Working at 65 Focus
Extra attention to employer coverage, HSAs, spouse coverage, self-employment, and Medicare timing.
Direct Relationship
You work directly with Scott — not a call center or rotating group of agents.
Ongoing Support
Help doesn’t end on enrollment day. Scott remains available for questions, coverage changes, and future reviews.
Free California Working Past 65 Medicare Guide
Before You Enroll, Delay Part B, or Change Coverage — Review These First
Especially helpful if you’re still working, self-employed, on Covered California, covered through a spouse, or contributing to an HSA.
About Scott
Scott Bubel
California Licensed Health Insurance Agent
Born and raised in Southern California, Scott spent more than a decade working around complex rules in the tax industry before building Medicare With Scott. That experience shaped the way he works today: listen first, get the details right, and explain complicated decisions in plain English. You work directly with Scott from the first question through enrollment and beyond.
CA License #4570095
Meet ScottCalifornia service area
Orange County roots. California-wide help.
Scott serves people across California by phone and video, with a local focus on Orange County.
Orange County Los Angeles Inland Empire San Diego California Statewide
Your next step
Still not sure what you’re supposed to do at 65?
Bring the situation as it is. Scott will help you figure out which questions, dates, and Medicare decisions actually matter.