Call us to speak with a licensed insurance agent:
Speak with a licensed insurance agent:
TURNING 65 OR RETIRING · ORANGE COUNTY
Turning 65? Get Local Help Signing Up for Medicare.
Whether you're turning 65, still working, or leaving your employer plan, we'll walk you through when to enroll and which plan fits, step by step, at no cost to you.
Know exactly when to sign up, so you avoid late penalties
Make the switch from employer coverage without gaps
Compare Medigap, Medicare Advantage & Part D around your doctors and prescriptions
One local licensed insurance agent who does the enrollment with you
Jeff White & Cassandra Power, local licensed insurance agents · Family-owned · ★★★★★ 5.0 on Google
Get Help Signing Up for Medicare
Disclosure:
Filling out this form is optional. By filling out this form you agree that Jeffry Wilson White will contact you by email, phone, or SMS to discuss Medicare Advantage, Medicare Supplement or Prescription Drug Plans.
Takes about 60 seconds. No obligation to enroll.
Every request includes our free Turning 65 Medicare Checklist, emailed to you right away.
Family-owned & local · Newport Beach, San Clemente & all of Orange County · Licensed in California · Phone, video, or in person
Your Medicare sign-up window is 7 months long
It opens 3 months before the month you turn 65 and closes 3 months after. Signing up late can mean a gap in coverage and a lifelong Part B penalty, unless you have qualifying employer coverage.
Months 1–3: Before your birthday month
The best time to enroll. Coverage can start the month you turn 65.
Month 4: The month you turn 65
You can still enroll. Coverage starts the following month.
Months 5–7: After your birthday month
Your last chance before the window closes. Don't wait until here.
Still Working? Retiring? On COBRA? Here's When to Sign Up.
Still working at 65
Covered through your own or your spouse's current job at a company with 20+ employees? You can usually delay Part B without a penalty. Smaller employer? You'll likely need Part B.
Retiring or leaving your job
Losing employer coverage usually gives you 8 months to sign up for Part B without a penalty. Plan ahead so there's no gap.
On COBRA or retiree coverage
These usually don't let you delay Part B. It's one of the most common, and expensive, Medicare mistakes.
What we'll help you figure out
On a short call with Jeff or Cassandra, we'll walk through:
Medigap vs. Medicare Advantage: which works with your doctors and local medical group.
Real costs beyond the monthly premium, estimated for the next 12 months.
Prescription coverage: a Part D plan, or an Advantage plan that includes it.
When to enroll in Parts A and B, and the paperwork. We complete the enrollment with you.
Meet Jeff & Cassandra, Your Local Licensed Insurance Agents
We live and work in Orange County, know the local medical groups and hospitals, and stay your contact after you enroll, not a call center. Jeff White, CA License 0D96809 · Cassandra Power, CA License 0H14083
How It Works:
1. Tell us about you. Fill out the form or call. It takes about a minute.
1. Tell us about you. Fill out the form or call. It takes about a minute.
2. Talk with Jeff or Cassandra. By phone, video, or in person, we'll go over your doctors, prescriptions, budget, and timing.
2. Talk with Jeff or Cassandra. By phone, video, or in person, we'll go over your doctors, prescriptions, budget, and timing.
3. Enroll with confidence. We handle the steps with you and stay your local contact year after year.
3. Enroll with confidence. We handle the steps with you and stay your local contact year after year.
No cost, no obligation. There's no fee for our help, and you decide whether to enroll.
No cost, no obligation. There's no fee for our help, and you decide whether to enroll.
★★★★★ 5.0 on Google: What Our Clients Say
★★★★★ Lisa S.
“Jeff has been wonderful. He's very patient and truly invested in helping you make the right decisions. He did all the legwork and found the right plans (Part B and Part D) that fit my needs.”
★★★★★ Diane J.
“Jeff takes time to examine all of the plans and present our options clearly. Jeff listens to our needs and helps us choose the right coverage for us.”
★★★★★ Eileen L.
“I am always impressed that I get an answer so quickly when I contact Jeff White, my agent. I have been using him for 18 years now and couldn't be happier.”
Not ready to enroll yet? Start with the checklist.
The Turning 65 Medicare Checklist: key dates, what to have ready, and the questions to ask before you enroll. It's free, and it's emailed to you as soon as you send the form.
Medicare Help FAQs
I'm still working. Do I need Part B at 65?
Often not, if you're covered through your own or your spouse's current job at a company with 20 or more employees. If the employer is smaller, Medicare usually pays first and you'll likely need Part B. We'll check your situation with you.
Will Social Security sign me up automatically?
If you already collect Social Security when you turn 65, you'll usually be enrolled in Parts A and B automatically. If not, you need to sign up yourself, and we can walk you through it.
I'm already past 65 and retiring. Can you still help?
Yes. Leaving employer coverage usually opens a special window to sign up for Part B without a penalty. We'll help you time it so there's no gap between your last day at work and your Medicare coverage.
What should I have ready for our consultation?
A list of your doctors and prescriptions, and your Medicare card if you've received it. If you're still working or retiring soon, have your employer plan details handy too. Don't have everything yet? That's fine, we can still help.
How are you compensated?
We are compensated via standard commissions paid by the insurance carriers for the enrollment and ongoing support of our clients. This cost is built into the plan’s administrative budget by the carrier and does not increase your monthly premium. As independent brokers, we offer a wide variety of plans, ensuring you receive balanced, objective guidance.
Get Help Signing Up for Medicare
Disclosure:
Filling out this form is optional. By filling out this form you agree that Jeffry Wilson White will contact you by email, phone, or SMS to discuss Medicare Advantage, Medicare Supplement or Prescription Drug Plans.
Takes about 60 seconds. No obligation to enroll.