Turning 65? Your Local Guide to Medicare in Overland Park

Reaching age 65 is a major milestone, but it often comes with a mailbox full of confusing insurance flyers. At Medicare Planning, we cut through the noise. Located right here at 7600 W. 110th St. in Overland Park, we specialize in helping our neighbors transition smoothly from employer coverage or private insurance into the Medicare system.

The "Initial Enrollment Period" (IEP) Explained

Timing is everything when you are turning 65. Most people have a 7-month window to sign up for Medicare without facing lifelong late-enrollment penalties. This window includes:

  • 3 Months Before your 65th birthday month. 

  • The Month Of your 65th birthday.

  • 3 Months After your 65th birthday month.

Local Pro Tip: If you are still working and have coverage through a large employer in Overland Park or the KC Metro, you may be able to delay Part B. We can help you compare your current work plan against Medicare to see which offers better value.

Navigating the Johnson County Healthcare Landscape

Choosing a Medicare plan isn't just about premiums; it's about keeping your doctors. We ensure your plan is accepted by the top-tier providers in our immediate area, including:

  • AdventHealth Shawnee Mission

  • Saint Luke’s South Hospital

  • Menorah Medical Center

  • The University of Kansas Health System (Indian Creek Campus)

Your "Turning 65" Medicare Checklist

We recommend a simple four-step approach to ensure you have no gaps in coverage:

  1. Determine Your Timeline: We help you identify your specific enrollment dates based on your birth date.

  2. Apply for Part A & B: We can guide you through the Social Security Administration (SSA) application process (the closest office is just down the road in Lenexa).

  3. Choose Your Path: We compare Medicare Supplement (Medigap) vs. Medicare Advantage (Part C) based on your health needs and budget.

  4. Select a Part D Plan: We analyze your current prescriptions to find the pharmacy network in Overland Park that offers you the lowest out-of-pocket costs.

Why Choose Medicare Planning for Your Enrollment?

We aren't a national call center. We are your neighbors.

  • Face-to-Face Consultations: Visit our Overland Park office for a coffee and a clear explanation of your benefits.

  • Unbiased Comparisons: We represent multiple carriers, meaning our loyalty is to you, not the insurance company.

  • Lifetime Advocacy: Once you're enrolled, we stay by your side. If your health needs change or plan costs rise, we are here to help you adjust.

Request a Quote or Schedule a FREE consultation

Ready to Start Your Medicare Journey?

Don't wait until the last minute. Let's make sure your 65th birthday is a celebration, not a deadline stress.

Medicare Planning - Overland Park 7600 W. 110th St., Ste 208 Overland Park, KS 66210 Call or Text: 913-232-2006 Website: Medicareplanning.com

Frequently Asked Questions About Turning 65

1. When should I start the process of signing up for Medicare in Kansas? You should begin researching your options about 3–6 months before your 65th birthday. Your Initial Enrollment Period (IEP) officially opens 3 months before your birth month. Starting early ensures your coverage begins on the first day of your 65th birthday month and helps you avoid any gaps in insurance.

2. I’m turning 65 but still working in Overland Park; do I have to sign up? Not necessarily. If you or your spouse are still working and have "creditable" coverage through a large employer (usually 20+ employees), you may be able to delay Medicare Part B without a penalty. However, most people still sign up for Part A (Hospital Insurance) because it typically has a $0 premium. We can help you compare your employer's plan to Medicare to see which is more cost-effective.

3. Does Medicare cover my doctors at KU Med or Saint Luke’s? This depends on the plan you choose. If you choose Original Medicare with a Medigap Supplement, you can see any doctor in the country who accepts Medicare, including those at KU Med, Saint Luke’s, and AdventHealth. If you choose a Medicare Advantage (Part C) plan, you must use the plan's network. We specialize in verifying the latest 2026 provider networks for Johnson County hospitals.

4. How much will Medicare cost me? For most residents, Part A is $0. The standard Part B premium is set annually by the federal government. If you choose a Medicare Advantage plan in Overland Park, many options offer a $0 monthly premium. If you prefer a Medicare Supplement, you will pay a monthly premium in exchange for lower out-of-pocket costs when you visit the doctor.

5. What is the $2,100 prescription drug cap I keep hearing about? Starting in 2026, the Inflation Reduction Act has capped all out-of-pocket prescription drug costs at $2,100 per year for those with Medicare Part D coverage. This is a major change that provides significant financial protection for seniors with high-cost medications.

Turning 65 medicare

Local phone/text:

913-232-2006 

Also serving:  De Soto, Edgerton, Fairway, Gardner, Lake Quivira, Leawood, Lenexa, Merriam, Mission, Mission Hills and Mission Woods, Olathe, Overland Park, Prairie Village, Roeland Park, Shawnee, Spring Hill, Westwood, & Westwood Hiils