New to Medicare
Medicare gives you a 7-month window around your 65th birthday — miss it and the penalty can follow you for life. Enter your birthday month and we’ll map your personalized timeline, step by step. Free, no plan names, no pressure.
Important: We do not offer every plan available in your area. Currently we represent several organizations offering Medicare Advantage, Medicare Supplement (Medigap), and Part D plans in your state. Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program.
Tell us when you turn 65 — your birth date stays in your browser and is never sent anywhere unless you ask us for a reminder.
We’ll send a friendly nudge before your window — and you can ask any question along the way. Free, no obligation.
We do not offer every plan available in your area. You can contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) for all of your options.
Your 2026 enrollment window, costs, the two paths, and a step-by-step checklist for Texas.
Plan-specific questions (which doctors, which drugs, which path) are best answered one-on-one — free, and with no obligation.
Your Initial Enrollment Period is 7 months long: the 3 months before your 65th-birthday month, your birthday month, and the 3 months after. Enrolling in the 3 months before your birthday means coverage can start the first of your birthday month.
If you do not have other qualifying coverage and miss your IEP, you may pay a Part B late penalty of 10% for each full 12 months you delay — for life — plus a Part D late penalty. That is why timing matters, and why a quick free review before your birthday pays off.
Not always. If you have creditable coverage through an employer (generally 20+ employees), you can often delay Part B and Part D without penalty and get a Special Enrollment Period when you retire. The rules are specific — we will check whether your coverage counts.
Online booking is taking a moment. Call us and we’ll grab a time together — or start a free quote.
Before you go
No pressure and no plan names — just a plain-English guide plus the offer of a free, no-obligation review with Medicare Twins, licensed Texas agent serving Texas. Leave an email or phone and we’ll send it over.
