Don't Miss Your Medicare Enrollment Window
Turning 65 is one of the most important financial milestones of your life. Jay Gutierrez will personally guide you through every Medicare option — completely free, no pressure.
- Compare Medicare Advantage, Supplement & Part D plans
- Avoid late-enrollment penalties
- Find $0-premium plans in your area
- Licensed Texas agent — serving Corpus Christi & South Texas
TTY: 711 · Mon–Fri 8am–8pm, Sat 10am–6pm
Get Your Free Medicare Guide
Jay will personally review your options and answer every question — at no cost to you.
Important: Your Medicare Initial Enrollment Period is only 7 months long — starting 3 months before your 65th birthday. Missing it can result in permanent penalties.
Get Help NowWhat Medicare Covers at 65
Medicare is divided into parts — each covering a different aspect of your healthcare. Here's what you need to know.
Hospital Coverage (Part A)
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people pay $0 premium if they've worked 40+ quarters.
Medical Coverage (Part B)
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. The standard 2026 premium is $185.00/month.
Prescription Drugs (Part D)
Standalone drug plans help cover the cost of prescription medications. Plans vary by formulary and premium — comparing options can save you hundreds per year.
Extra Benefits (Part C)
Medicare Advantage plans bundle Parts A, B, and often D — plus extras like dental, vision, hearing, and fitness benefits, often with $0 or low premiums.
Your Medicare Enrollment Timeline
The Initial Enrollment Period (IEP) is a 7-month window. Here's exactly when to act.
Open Your Enrollment Window
Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month. This is the best time to compare plans and enroll — you get the widest selection and avoid late-enrollment penalties.
Medicare Becomes Active
Medicare Part A (hospital) and Part B (medical) coverage begins. If you enroll in the month of your birthday, coverage starts the first day of the following month.
Window Closes — Act Now
Your IEP ends 3 months after your birthday month. Missing this window means waiting for the General Enrollment Period (Jan 1 – Mar 31) and possibly paying a permanent late-enrollment penalty.
Need help navigating the timeline? Jay will walk you through every step — from enrollment to your first plan year — at no cost to you.
Schedule Free ConsultationMedicare Advantage vs. Medicare Supplement
Both are excellent options — the right choice depends on your health needs, budget, and lifestyle. Jay will help you decide.
| Feature | Part CMedicare Advantage | MedigapMedicare Supplement |
|---|---|---|
| Monthly Premium | $0 – $50 (many plans) | $100 – $300+ |
| Network | In-network providers required | Any Medicare-accepting doctor |
| Extra Benefits | Dental, Vision, Hearing, Fitness | Usually not included |
| Out-of-Pocket Max | Set annual limit | Covers most gaps |
| Prescription Drugs | Usually included (Part D) | Separate Part D plan needed |
| Prior Authorization | May be required for some services | Rarely required |
| Best For | Budget-conscious, extra benefits | Frequent travelers, specialists |
Plan benefits and premiums vary by carrier, location, and plan year. Contact Jay for a personalized comparison.
Talk to Jay — It's Completely Free
Jay Gutierrez is a licensed Texas insurance agent specializing in Medicare plans for Corpus Christi and South Texas families. He works with all the top carriers and will compare every option available in your zip code — at no cost to you.
Jay Gutierrez
Licensed Sales Agent
Licensed in Texas · NPN #16511164
- Compare all Medicare Advantage plans in your area
- Review Medicare Supplement (Medigap) options
- Find the best Part D drug plan for your medications
- Explain enrollment deadlines and avoid penalties
- Ongoing support — Jay is your agent for life
Free unbiased help also available: Texas SHIP (State Health Insurance Assistance Program) provides free Medicare counseling at 1-800-252-9240.
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Top Carriers We Work With
Frequently Asked Questions
Common questions from people turning 65 in Texas.
When should I sign up for Medicare?
You should enroll during your Initial Enrollment Period — the 7-month window that begins 3 months before your 65th birthday month. Enrolling early avoids late penalties and ensures seamless coverage.
Do I need Medicare if I still have employer coverage?
It depends on your employer's size. If your employer has fewer than 20 employees, Medicare becomes your primary insurance at 65 and you must enroll to avoid penalties. For larger employers, you may delay Part B without penalty.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits like dental and vision. Medicare Supplement (Medigap) works alongside Original Medicare to cover cost-sharing gaps like deductibles and copays.
Is there a cost for Medicare Part A?
Most people pay $0 for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years (40 quarters). Part B has a standard monthly premium of $185.00 in 2026.
What happens if I miss my enrollment window?
Missing your Initial Enrollment Period means you'll likely pay a permanent late-enrollment penalty (10% per 12-month period for Part B) and may have to wait until the General Enrollment Period (January 1 – March 31).
Ready to Find Your Perfect Medicare Plan?
Don't navigate Medicare alone. Jay Gutierrez will compare every plan available in your area and find the coverage that fits your health and budget — at no cost to you.
TTY: 711 · A non-government entity. Not affiliated with or endorsed by Medicare or any government agency.