Confused About Medicare
as You Turn 65?
We Make It Simple.

No. T65Navigator is an independent, licensed insurance agency. We are not connected with or endorsed by the U.S. Government, the federal Medicare program, or any government agency. We are private licensed professionals who help you compare and enroll in Medicare Supplement (Medigap) plans from private insurance carriers.

Our service is 100% free to you. Licensed insurance agents are compensated directly by the insurance carriers — not by clients. The plan premiums you pay are identical whether you enroll on your own or through us. You get expert guidance at no cost whatsoever.

Yes — this is one of the biggest advantages of Medigap over Medicare Advantage. Medigap works with any doctor or hospital in the United States that accepts Medicare. There are no networks, no referrals required, and no prior authorization for most services. Your relationship with your current doctors stays intact.

Medigap plans do not include prescription drug coverage. You'll need a separate Medicare Part D plan for medications. We specialize in Medigap (Medicare Supplement) plans and can refer you to Part D resources to complete your coverage. We recommend enrolling in Part D during your Initial Enrollment Period to avoid late enrollment penalties.

You should enroll during your Initial Enrollment Period (IEP) — a 7-month window that begins 3 months before your 65th birthday and ends 3 months after. This is also when you want to enroll in Medigap, because you have guaranteed acceptance with no health questions during this window. Missing your IEP can result in permanent late enrollment penalties for Medicare Part B.