Turning 65 in Hays County, Texas: Your Medicare Options
San Marcos · Central Texas · New to Medicare
Turning 65 in Hays County? Medicare Advantage and Part D plans are approved county by county, and many networks in Central Texas center on Austin, Waco and Bryan–College Station. We help San Marcos-area residents pick the right path the first time — by phone or Zoom.
Book a Medicare appointment for Hays County
2027 Annual Enrollment runs October 15 – December 7. A licensed Texas agent compares Medigap, Advantage and Part D plans for your doctors and prescriptions.
Your Medicare options in Hays County
Medicare Supplement (Medigap)
Plan G and Plan N cover most of what Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.
Medicare Advantage (Part C)
All-in-one plans, many with $0 premiums, drug coverage and extras like dental and vision. Networks vary by county.
Part D drug plans
Stand-alone drug coverage. Per CMS, the 2026 maximum deductible is $615 and the yearly out-of-pocket cap is $2,100 (indexed annually).
Key Medicare dates for Hays County
- Turning 65: 7-month Initial Enrollment Period around your birthday month — turning-65 guide.
- Annual Enrollment: October 15 – December 7, coverage starts January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31, one plan switch.
- See what's new: Advantage 2026 vs 2027 and Part D 2026 vs 2027.
Turning 65 in Hays County? Here are your options
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.
Your turning-65 timeline
- 6 months before: create a my Social Security account and list your doctors and prescriptions.
- 3 months before: your window opens — enroll in Part A (and Part B unless delaying) and book a plan review.
- 1–2 months before: pick a Medigap + Part D combo or a Medicare Advantage plan.
- Birthday month: coverage starts the 1st if you enrolled early.
Go deeper: all options at 65 explained · enrollment checklist · working past 65 · mistakes to avoid
Schedule your Medicare review
Pick a time on our Medicare calendar or call 800-214-8976. Help by phone or Zoom — no cost to you.
Medicare in Hays County: common questions
Turning 65 nearby
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.