Turning 65: what are my options?
At 65 most Texans choose one of a few paths. The right one depends on whether you're still working, your doctors, your prescriptions and how much you travel.
1. Original Medicare + Medigap + Part D
Parts A and B from the government, a Medicare Supplement (Plan G or N are the most popular) to cover gaps, and a stand-alone Part D drug plan. Use any doctor nationwide who accepts Medicare.
2. Medicare Advantage (Part C)
An all-in-one private plan that replaces Original Medicare's way of paying claims. Most include drug coverage and extras like dental and vision, and use a local network of doctors.
3. Keep employer coverage and delay Part B
Still working at a company with 20+ employees? You may be able to keep that plan and delay Part B without a penalty, then enroll later during a Special Enrollment Period.
4. Retiree or COBRA coverage
Retiree plans often work alongside Medicare. COBRA usually does not count as coverage for delaying Part B — enrolling late can trigger a lifetime penalty.
5. Extra Help & Medicare Savings Programs
Limited income? Texas Medicare Savings Programs and Extra Help (Low-Income Subsidy) can lower Part B and drug costs. We help you check eligibility.
6. Not eligible for premium-free Part A?
Fewer than 40 work quarters? You may qualify through a spouse, buy Part A, or stay on an ACA Marketplace plan. We walk through each path.
Medigap or Medicare Advantage?
- Medigap fits if you want any doctor who takes Medicare, travel often, or want predictable bills.
- Advantage fits if your doctors are in a local network and you want drug, dental and vision in one plan.
- Timing matters: your 6-month Medigap Open Enrollment is the one time insurers can't use health history against you.
Find local help: turning 65 in every Texas city and county · enrollment checklist · working past 65
Not sure which path is right?
Book a free call with a licensed Texas Medicare agent.
Frequently asked questions
We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (in Texas, HICAP) to get information on all of your options. Medicare Advantage and Part D plan availability, premiums and benefits vary by county and change each year.