Welcome to Medicare at 65

Your 7-month window to enroll starts here.

Trusted for supplemental coverage in Amarillo for more than 20 years

Your Initial Enrollment Period Explained

Turning 65 is a milestone worth celebrating—and it also marks the beginning of your Medicare Initial Enrollment Period (IEP). This is a 7-month window that begins 3 months before your 65th birthday, includes your birthday month, and ends 3 months after.

During this time, you can:
• Enroll in Medicare Part A (hospital coverage)

• Enroll in Medicare Part B (medical coverage)

• Add a Part D drug plan

• Or choose a Medicare Advantage plan

Getting it right matters. Enrolling on time ensures your coverage starts when you need it and helps you avoid late penalties that can last a lifetime.

Timely Enrollment

Sign up during your 7-month window

Avoid Penalties

Late enrollment can cost you for life

$0 Premiums

Original Medicare, Advantage, or Medigap options

Guidance Available

Get licensed help to enroll correctly

Is T65 Enrollment for You?

If you’re approaching 65, this is your window of opportunity.

T65 could be a great fit for:

  • Amarillo residents turning 65 soon

  • People still working and unsure about Part B timing

  • Seniors considering Medicare Advantage $0 premium options

  • Those who want a Part D drug plan for prescriptions

  • Individuals who prefer Medigap coverage for predictability

  • Veterans who want Medicare alongside VA benefits

  • Texans who travel and need nationwide coverage from the start

  • Anyone who wants to avoid late penalties and gaps in coverage

Schedule a Free Consultation

In Amarillo and across the Texas Panhandle, many neighbors turning 65 face common questions: Should I take Part B if I’m still working? Do I need Part D now? What if I want a Medicare Advantage plan? Life Solutions Agency is here to help you understand these decisions. Our team will walk you through the process step by step.

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Frequently Asked Questions

When does my Medicare Initial Enrollment Period start?

It starts 3 months before your 65th birthday, includes your birthday month, and lasts 3 months after.

Do I have to take Part B if I’m still working?

Maybe not—it depends on your employer’s size and whether your current coverage is primary or secondary. We’ll help you evaluate.

What happens if I miss my Initial Enrollment Period?

You may have to wait until the next General Enrollment Period and could face lifetime late penalties.

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Can I enroll online?

Yes. Most Amarillo residents can apply at SSA.gov or by calling Social Security. The process often takes less than 10 minutes.

What happens after I sign up for Parts A & B?

You’ll want to set up the rest of your coverage—either a Part D drug plan, Medicare Advantage plan, or Medigap plan.

How does my Medigap enrollment work at 65?

Your 6-month Medigap Open Enrollment starts the month your Part B begins. During this time, you’re guaranteed acceptance into any plan.

Can I add a Medicare Advantage plan at 65?

Yes. You can enroll in Medicare Advantage during your IEP, as early as the month your Part B starts.

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Government Disclaimer: We are not connected with or endorsed by the U.S. Government or the federal Medicare program (Centers for Medicare & Medicaid Services). This is a solicitation of insurance.

Prominence Medicare is a Medicare Advantage plan with a Medicare contract. Enrollment in Prominence Medicare depends on contract renewal.

TPMO Disclosure: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Prominence Medicare is a Medicare Advantage plan with a Medicare contract. Enrollment in Prominence Medicare depends on contract renewal.