BOOK A FREE CONSULTATION
Compare Medicare plans with a licensed agent
Pick a time that works for you. Free, with no obligation. More on our Orange County Medicare hub. Or call (949) 656-5301.
If you run your own business in Costa Mesa, turning 65 means leaving the individual health plan you bought for yourself and choosing Medicare with no HR department to guide you. Joseph Antonucci, a California-licensed independent insurance producer (CA licence #4360370) helps self-employed residents and small-business owners compare Medicare Supplement, Medicare Advantage and Part D plans — free, with no obligation.
Book a free Medicare review for Costa Mesa
Bring your Medicare card, your current individual plan details, your doctors and your prescriptions. We meet by phone, by video, or in person by appointment in Orange County.
Medicare when you have been your own benefits department
People who file a Schedule C have usually spent years buying coverage on their own, often through Covered California or directly from an insurer. The move to Medicare works differently. There is no employer group plan to let you delay Part B, so for most self-employed people the Initial Enrollment Period around your 65th birthday is the window that matters. Miss it and you can face late-enrollment penalties and gaps in coverage.
The other trap is the individual plan itself. It does not end on its own when Medicare starts, and any premium subsidy you receive generally stops once you are eligible for Medicare. We help you line up the Medicare start date and the cancellation date so you are neither double-paying nor uncovered. Our Irvine office serves Costa Mesa by phone, video, or in-person appointments in Orange County.
Questions Costa Mesa business owners ask us
- When exactly do I sign up? We map your enrollment dates against your individual plan. The turning 65 in Orange County section covers the timeline.
- My spouse is on my individual plan — what happens to them? If they are younger, they may need their own coverage when you move to Medicare. We flag this early so nobody is left without a plan.
- Should I pick Medigap or Medicare Advantage? Our Medigap page and the Medicare Advantage section explain the trade-off.
- Will my prescriptions still be covered? We check each drug and your pharmacy against Part D and Advantage formularies — see Part D in Orange County.
Choosing a plan when your schedule is your income
| If you… | You may lean toward |
|---|---|
| Travel for clients or work jobs outside California | Medicare Supplement (Medigap) |
| Want predictable costs you can budget like a business expense | Medicare Supplement (Medigap) |
| Are comfortable with one network and want extras like dental or vision | Medicare Advantage |
| Rarely see specialists and prefer lower monthly premiums | Medicare Advantage |
If you manage an ongoing health condition, read Medicare Advantage vs Medigap with a chronic condition before you choose.
Once you are on Medigap, California’s Birthday Rule gives you an annual window to switch to another Medigap plan with equal or lesser benefits without answering health questions. We note your window and review your plan when it opens.
How a free Medicare review works
- Book a time that fits around your work. Before we discuss Medicare Advantage or Part D plans, Medicare rules require a short Scope of Appointment form, which we send you.
- We review your coverage today — your individual plan, doctors, prescriptions and budget.
- We compare the plans we offer in your ZIP code and set out the differences in plain language.
- You decide, with no obligation and no pressure.
Free, unbiased counselling is also available from California’s HICAP program, and Medicare.gov has a plan finder. You can verify any agent’s licence with the California Department of Insurance.
Costa Mesa Medicare questions
What does Medicare help cost me?
Nothing. If you enroll in a plan we offer, the insurer pays the agent. You pay the same premium either way.
Do I cancel my Covered California plan myself?
Yes, you usually need to end it yourself. We help you choose a date that matches your Medicare start so there is no gap.
Can we meet in person?
Yes, by appointment in Orange County. Many self-employed clients prefer a video call between jobs; the review is the same either way.
Where can I read more?
Our longer Medicare in Costa Mesa guide, the article on Medicare in Costa Mesa, and our piece on health insurance and Covered California in Costa Mesa go deeper. The Orange County Medicare hub covers the county picture.
Leaving your individual plan for Medicare? Talk it through first.
Educational information. Plan availability, networks and costs vary by ZIP code and change each year. Joseph Antonucci, CA licence #4360370, Life and Accident & Health.
BOOK A FREE CONSULTATION
Talk through your Medicare options with a licensed agent
Choose an open date below. No obligation, no pushy sales calls. More on our Orange County Medicare hub. Or call (949) 656-5301.