Turning 65 This Year? Alot Has Changed Since 1960!
From black-and-white TV to smartphones in your pocket, life has changed a lot — and now Medicare is the next step in your journey.
Your Medicare Journey Begins Here
Turning 65 is a big milestone — but Medicare doesn’t have to feel overwhelming. At WeCare Insurance Solutions, we make the process simple. From explaining your options to helping you avoid costly mistakes, our goal is to give you confidence and peace of mind. Scroll below to learn more or request your FREE Medicare e-guide today!
Your Medicare Journey Starts Here
Every journey has milestones — and turning 65 is one of the biggest. Medicare can feel complicated, but we’re here to guide you every step of the way. Scroll down for a clear path forward or request your FREE eGuide today.
Step 1: The Road Ahead – Understand the basics of Medicare Parts A, B, C & D.
Step 2: Choose Your Route – Compare plan options and see which fits your lifestyle.
Step 3: Avoid Wrong Turns – Learn common mistakes to steer clear of when enrolling.
Step 4: Reach Your Destination – Know what to expect when your coverage begins.
Start your Medicare journey with confidence — request your FREE eGuide today!
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Medicare At a Glance
The Basics Made Simple
Medicare Made Simple
Turning 65 or new to Medicare? You’re not alone. Medicare can seem confusing at first, but once you know the basics, it’s much easier to navigate. Here’s where to start.
What is Medicare?
Medicare is a federal health insurance program for people age 65 or older, and for some younger individuals with disabilities or certain health conditions. It helps cover hospital stays, doctor visits, preventive care, and prescriptions depending on the parts you choose.
Parts of Medicare. The ABC+D's.
Part A: Hospital insurance (inpatient stays, skilled nursing, hospice, some home health).
Part B: Medical insurance (doctor visits, outpatient care, lab tests, preventive services).
Part C: Medicare Advantage (all-in-one plans offered by private insurers that bundle A, B, and usually D).
Part D: Prescription drug coverage.
Filling in the Gaps
Medicare does not cover everything. Most people choose other plans to go along with Medicare.
Original Medicare (Parts A & B): You can see any doctor that accepts Medicare, but you may face higher out-of-pocket costs unless you add a Medigap plan. If you want prescription coverage, you need to purchase a standalone Part D plan.
Medicare Advantage (Part C): Lower premiums and extra benefits (vision, dental, hearing), but you use provider networks like HMOs or PPOs.
Medicare Enrollment Periods
Medicare has strict timelines. Knowing when you can enroll or make changes ensures you don’t face penalties or lose coverage.
Initial Enrollment Period (IEP)
This is your first chance to sign up for Medicare. It begins 3 months before your 65th birthday (or Medicare eligibility date), includes your birthday month, and ends 3 months after. Missing this window could mean penalties or delays in coverage.
Late enrollment in Part B or Part D often results in permanent penalties added to your monthly premium. These can add up over time, so it’s important to enroll at the right moment.
Special Enrollment Periods (SEP)
If you delayed Medicare because you had employer coverage, you may qualify for a Special Enrollment Period. This allows you to enroll without penalties when your job-based insurance ends. Other SEP's include moving to a new city/state, Qualifying for State Medicaid benefits, and many more.
Annual Enrollment (AEP)
Each year from October 15 to December 7, you can review and change your Medicare Advantage or Prescription Drug Plan. Any changes take effect January 1.
Getting Personalized Help
Everyone’s Medicare journey is unique. Working with a licensed agent means you don’t have to figure it all out alone.
Free Medicare Reviews
We compare all available plans in your area—side by side—so you see what fits your health needs and budget.
Medicare Advantage and Prescription Drug Plans vary by county and ZIP code. What’s available to your neighbor might not be available to you. We show you exactly what’s offered where you live.
Avoid Common Mistakes
Many new enrollees choose the wrong plan by focusing only on premiums or not checking drug coverage. We help you avoid costly surprises
Next Steps
Schedule a free consultation. We’ll answer your questions, review your options, and make sure you feel confident about your coverage choices.
Why Texans Choose Us
Independent, Local Agency
We are right here in Texas and are able to help you shop multiple carriers-not just one.
Year-round Availability
We aren't just here when you enroll. We are available all year long to guide you with your insurance needs. That's the Texan way.
Personalized Help
Medicare is not a one-size-fits-all. Our first priority is the needs of our clients. We do a personalized consultation to help find the best plan options for YOU.
