Your Trusted Medicare Resource Center in Santa Ana
Navigating Medicare doesn’t have to be overwhelming. Our bilingual experts provide the “Source of Truth” to help you understand your benefits and enrollment timelines with confidence.
Determine Your Enrollment Window
Whether you’re turning 65 or have a Special Election Period (SEP), timing is everything.
Meet with a Certified Specialist
We compare plans from SCAN, UnitedHealthcare, Anthem, Blue Shield, and Alignment in minutes.
Lastly Secure Your Peace of Mind
We handle the enrollment paperwork so you can focus on your health.
Transitioning from Covered California to Medicare?
Moving to Medicare is a “Qualifying Life Event.” Our team specializes in coordinating this transition to ensure you avoid lifetime late-enrollment penalties and double-paying premiums.
Medicare FAQ & Document Checklist
Question 1: When should I start my Medicare application?
You should begin the process three months before your 65th birthday. Your Initial Enrollment Period lasts for seven months: the three months before you turn 65, the month of your birthday, and the three months after. Starting early ensures your coverage begins on the first day of your birth month.
Question 2: Do I have to sign up for Medicare if I am still working?
It depends on the size of your employer. If your company has 20 or more employees, your group health plan is usually considered primary, and you may be able to delay Part B without a penalty. However, most people still sign up for Part A because it typically has a $0 premium for those who have worked 10+ years. We recommend a consultation to review your specific employer plan rules.
Question 3: What is the difference between an Advantage plan and a Supplement?
Medicare Advantage (Part C) is an “all-in-one” alternative to Original Medicare that often bundles Parts A, B, and D, and may include extra benefits like dental and vision. Medicare Supplement (Medigap) works alongside Original Medicare to pay for out-of-pocket “gaps” like copays and deductibles. Advantage plans often have lower premiums but use specific networks, while Supplements allow you to see any doctor who accepts Medicare.
Question 4: Will I lose my Covered California subsidy when I switch to Medicare?
Yes. Once you qualify for Medicare, you are no longer eligible for financial assistance or subsidies through Covered California. It is critical to cancel your Covered California plan at least 14 days before your Medicare starts to avoid a gap in coverage or having to pay back subsidies to the IRS at tax time.
Question 5: Does Medicare cover my dental and vision exams?
Original Medicare (Parts A and B) generally does not cover routine dental cleanings or vision exams for glasses. However, the majority of Medicare Advantage plans we offer include $0 copays for routine dental and vision care, as well as allowances for eyewear.
Question 6: Can I keep seeing my doctors at St. Joseph Heritage or Heritage Medical Group?
Yes, but you must choose a plan that includes them in their network. St. Joseph Heritage Medical Group in Santa Ana accepts several Medicare Advantage plans, including SCAN, UnitedHealthcare, Anthem Blue Cross, Blue Shield, and Providence Medicare Advantage. We specialize in matching your preferred medical group to the right plan.
Documents to have ready for your Medicare Appointment:
- [ ] Your Red, White, and Blue Medicare Card (if already received).
- [ ] A list of your current medications and dosages.
- [ ] The names of your preferred doctors and medical groups (e.g., Heritage, Prospect, or St. Joseph).