Turning 65? Let's get your Medicare set up right.
Your Initial Enrollment Period starts three months before the month you turn 65 and runs three months after it. I'll walk you through the timing, your choices, and the paperwork in plain English.
Consultations are at no cost to you. Local help for McAllen and the Valley, with consultations available in other areas where licensed.
Your enrollment timeline
Seven months total — three before, your birthday month, and three after.
- 13 months before your birthday month
Your window opens
This is when your Initial Enrollment Period begins. Signing up early here usually means your coverage can start the first day of your birthday month.
- 2Your birthday month
Decide how you want coverage
Original Medicare with a supplement and a drug plan, or an all-in-one Medicare Advantage plan. We'll look at your doctors, your prescriptions, and your budget.
- 33 months after your birthday month
Your window closes
After this, changes are limited to specific periods, and late enrollment penalties can apply to Part B and drug coverage.
Six quick questions.
Tell me a little about your situation and I'll follow up with options tailored to your first year on Medicare.
What's your ZIP code?
We start local — plan availability is set by your county.
What to have ready for our call
Nothing formal — just a few details so we can look at real options instead of guesses.
- Your Medicare card or your Social Security login details
- A list of your current prescriptions and dosages
- The doctors and clinics you want to keep
- Whether you or your spouse still have employer coverage
Still deciding between plan types?
Most people turning 65 are weighing a Medigap supplement against a Medicare Advantage plan. Here's a plain-English comparison of how the two work.
Compare Medigap vs. Medicare Advantage →