Turning 65 in Texas

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.