Medicare Step 1

Getting Started with Original Medicare

Sign Up for Medicare Parts A & B with Confidence

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Ready to Begin Medicare?

Start with Part A and Part B

Parts A and B form the foundation of Medicare—they’re your first step when turning 65 or qualifying by disability. Known together as Original Medicare, these two parts cover hospital stays, doctor visits, preventive care, and more.


Most Texans automatically receive Part A (hospital insurance) premium-free if they’ve worked 10+ years. Part B (medical insurance) requires a monthly premium and can be delayed if you’re still working and covered by employer insurance.


Enrolling at the right time helps you avoid costly late penalties. Our licensed agents walk you through the timeline, paperwork, and decisions.

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Eligibility for Medicare Parts A & B

Who qualifies and when to apply

  • Age 65 or older

  • U.S. citizen or legal resident for 5+ years

  • Certain disabilities under age 65

  • ALS or end-stage renal disease

Already getting Social Security? You may be enrolled automatically. Not receiving benefits yet? You’ll need to apply yourself—and we can help.

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How and When to Enroll

Your Medicare Initial Enrollment Period (IEP)

  • Starts 3 months before your 65th birthday

  • Includes your birthday month

  • Ends 3 months after that month

Sign up online at SSA.gov, by phone, or in person at your Social Security office. Unsure whether to enroll in Part B now or delay it? We’ll help you weigh your options.

Know What You’re Signing Up For

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What Part A Covers: Inpatient hospital stays, short-term skilled nursing care, hospice services, and some home health care. Most people don’t pay a premium for Part A.


What Part B Covers: Doctor visits, preventive screenings, outpatient care, lab tests, mental health services, and durable medical equipment. There is a monthly premium (based on income) and a deductible.

We'll Help You Start Strong

Honest Answers

FAQs About Signing Up for Medicare A & B

If you’re feeling unsure, you’re not alone. Here are a few common Medicare enrollment questions our Kerrville agents answer every day.

FAQs

  • When should I enroll in Medicare A & B?

    During your Initial Enrollment Period—3 months before your 65th birthday month, the month of, and 3 months after.

  • Do I need to sign up if I’m still working?

    Maybe. If you have creditable employer coverage, you may delay Part B to avoid paying two premiums. Let’s discuss your specific situation.

  • What if I miss my enrollment window?

    You may face penalties and delays. Let us help you apply during the right timeframe.

  • Can my spouse enroll at the same time?

    Yes, but Medicare is individual—each person must qualify and apply separately.