Turning 65 Solutions - Medicare and Health Insurance Advisors

Turning 65 Solutions - Medicare and Health Insurance Advisors Health Insurance, Medicare Supplements, Long Term Care, Retirement Income Independent brokerage medicare and health insurance advisors.

Heading out of town? Don’t forget to pack your Medicare coverage.Okay, technically you can’t pack it. But you probably s...
09/07/2026

Heading out of town? Don’t forget to pack your Medicare coverage.

Okay, technically you can’t pack it. But you probably should know how it works before you need a doctor 500 miles from home.

One question we hear pretty regularly is:

“Will my Medicare coverage work when I travel?”

The answer depends on what kind of Medicare coverage you have.

With Original Medicare, you can generally use your coverage anywhere in the United States as long as the doctor or hospital accepts Medicare.

With a Medicare Advantage plan, things can be different.

Some plans have networks and service areas. Emergency and urgently needed care are covered when you're away from home, but routine or non-emergency care outside your plan's network may work differently—or may not be covered at all.

And if you spend part of the year somewhere else? That's an even more important conversation to have before choosing a plan.

We see plenty of people here in New Braunfels who travel, visit family out of state, take long RV trips, or spend extended periods away from Texas.

Your Medicare coverage should fit the way you actually live, not just look good on a benefits summary.

Before your next trip, know the answers to a few questions:

✈️ What happens if I need urgent care?
🚑 What happens in an emergency?
🩺 Can I see a doctor for routine care while I'm away?
💊 Can I refill my prescriptions out of town?
🏡 What if I'm gone for several months?

Those are much better questions to ask before you leave New Braunfels than from a doctor's waiting room in Colorado.

Not sure how your current coverage travels?

That's exactly the kind of thing we're happy to help you figure out.

Turning 65 Solutions
Medicare guidance you can trust—right here at home.

Labor Day Office ClosureEven Medicare agents need a day off every once in a while. 😎Turning 65 Solutions will be closed ...
09/04/2026

Labor Day Office Closure

Even Medicare agents need a day off every once in a while. 😎

Turning 65 Solutions will be closed Monday, September 7, in observance of Labor Day.

Our team will be spending the long weekend with family, friends, and hopefully doing as little actual labor as possible.

We’ll be back in the office Tuesday, September 8, rested, recharged, and ready to help with all things Medicare.

We hope all of our clients, friends, and neighbors throughout New Braunfels have a safe and relaxing Labor Day weekend! 🇺🇸

— Ron, Peyton, Kristin & the Turning 65 Solutions Team

Medicare guidance you can trust—right here at home.

⭐ Five-Star Friday: The Boss Has Still Got ItEvery once in a while, we like to remind Ron that owning Turning 65 Solutio...
08/28/2026

⭐ Five-Star Friday: The Boss Has Still Got It

Every once in a while, we like to remind Ron that owning Turning 65 Solutions doesn’t mean he gets to just sit in his office, drink coffee, and tell everyone else what to do.

Apparently, he still knows his way around Medicare, too. 😂

This week’s ⭐⭐⭐⭐⭐ review comes from Mary M. of New Braunfels, who first heard Ron on the radio and decided to give us a call:

“I was so confused how to navigate Medicare options. I heard Ron Ray on NB radio and decided to make an appointment. Boy am I glad I did! Ron listened to me and found great plans within my budget. He is very knowledgeable and treated me with dignity and respect all while finding me Part B, D and G plans that will work for me. Ron really cares about his clients and I highly recommend him to everyone that needs Medicare assistance. You will be glad you did!”

— Mary M., New Braunfels

All joking aside, this is still one of Ron’s favorite parts of the job.

Sitting across the table from someone who is overwhelmed by Medicare, listening to what they actually need, and helping them make sense of all the options is why Turning 65 Solutions exists in the first place.

No call center. No rushing through an appointment. Just good old-fashioned service from someone who lives and works right here in New Braunfels.

Turns out the old guy’s still got it. 😎

Thank you, Mary, for the kind words and for trusting Turning 65 Solutions with your Medicare.

Medicare guidance you can trust—right here at home.

“I have Medicare. I can see any doctor I want… right?”Well… maybe.This is one of those Medicare questions where the answ...
08/24/2026

“I have Medicare. I can see any doctor I want… right?”

Well… maybe.

This is one of those Medicare questions where the answer depends on what kind of coverage you actually have.

With Original Medicare, you can generally see any doctor or hospital in the country that accepts Medicare.

But if you have a Medicare Advantage plan, your plan may have a provider network. Depending on whether it's an HMO or PPO, going outside that network could mean paying more — or, in some situations, having no coverage at all except for emergencies or other specifically covered circumstances.

And here's where people get tripped up:

“My doctor accepts Medicare” does NOT necessarily mean “my doctor accepts my Medicare Advantage plan.”

Those are two completely different questions.

Before choosing a Medicare plan, we always recommend checking the doctors and hospitals that matter to you — not just looking at the premium, dental benefits, grocery cards, or whatever happens to be getting advertised on television that week.

Because a Medicare plan with a bunch of extras isn't much of a bargain if your doctor isn't in the network.

At Turning 65 Solutions, this is part of what we do when helping our New Braunfels clients compare their options. We look beyond the shiny stuff and help you understand how the plan will actually work when you need to use it.

Turning 65 soon? Or already on Medicare and wondering whether your doctors take your plan?

Give us a call or stop by.

Medicare guidance you can trust — right here at home.

— Turning 65 Solutions
New Braunfels, Texas

A quick introduction we're proud to make.Many of you know Turning 65 Solutions for Medicare and retirement help. We want...
08/21/2026

A quick introduction we're proud to make.

Many of you know Turning 65 Solutions for Medicare and retirement help. We wanted you to meet our sister company, Homestead Benefits Group — a New Braunfels agency built for a different need: employee benefits and group health insurance for Texas businesses.

If you own or run a company, or you know someone who does, Homestead helps employers build and manage benefits their teams actually value — group health, dental and vision, life, disability, and more — with the same local, old-fashioned service you've come to expect from us. And a familiar face is leading the way: Andrea Davis heads up the benefits team at Homestead.

Same family, same values, two ways we can help:
Turning 65 Solutions — Medicare and retirement, for individuals and families.

Homestead Benefits Group — employee benefits, for Texas employers.

Learn more at homesteadbenefitsgroup.com or call (830) 217-6713.

⭐ FIVE-STAR FRIDAY ⭐There’s nothing better than hearing that someone felt confident and cared for throughout the Medicar...
08/14/2026

⭐ FIVE-STAR FRIDAY ⭐

There’s nothing better than hearing that someone felt confident and cared for throughout the Medicare process.

A big thank-you to Diane H. from New Braunfels for sharing these kind words about Peyton:

⭐⭐⭐⭐⭐

“Peyton was so helpful through the entire process. I had a fair amount of knowledge about the process but she was able to make everything so clear. We always felt that she had our best interest in navigating thru so much information. Looking forward to working with her every year going forward.”

— Diane H., New Braunfels

That last sentence means a lot to us.

Medicare isn’t something you choose once and never think about again. Plans change. Prescriptions change. Doctors and networks change. And sometimes life simply changes.

That’s why our goal at Turning 65 Solutions isn’t just to help you enroll. It’s to be the local Medicare team you can call year after year when you have questions or need help.

Great job, Peyton! And thank you, Diane, for trusting our team. 💙

Medicare guidance you can trust—right here at home.

Your prescription is “covered” by Medicare. So why does it cost THAT much?This is one of those Medicare surprises nobody...
08/11/2026

Your prescription is “covered” by Medicare. So why does it cost THAT much?

This is one of those Medicare surprises nobody enjoys.

You go to the pharmacy expecting your normal copay, and suddenly the price is much higher than you expected.

The problem is that “covered” doesn’t necessarily mean “cheap.”

With Medicare prescription drug coverage, several things can affect what you actually pay:

💊 Which formulary tier your medication is on
💊 Whether your pharmacy is preferred by your plan
💊 Whether prior authorization is required
💊 Whether your plan has quantity limits or step therapy
💊 Whether another covered medication could cost less

And here's an important one:

Two Medicare plans can cover the exact same prescription and still charge very different amounts for it.

That's why we don't recommend choosing a Medicare plan based on the premium alone.

At Turning 65 Solutions, we look at the whole picture—including the prescriptions you actually take and where you prefer to fill them.

Sometimes the right answer is changing plans.

Sometimes it's changing pharmacies.

And sometimes your current plan is already the best fit.

The important thing is knowing before you get an expensive surprise at the pharmacy counter.

Have questions about your Medicare prescription coverage? Give our local team a call.

📍 New Braunfels, Texas
📞 830-217-6711
🌐 T65Solutions.com

Medicare guidance you can trust—right here at home.

Why an Annual Medicare Review Matters (Even If You're Happy With Your Plan)Many people think choosing a Medicare plan is...
08/03/2026

Why an Annual Medicare Review Matters (Even If You're Happy With Your Plan)

Many people think choosing a Medicare plan is a one-and-done decision.

The truth is, your plan may stay the same—but your life doesn't.

In just one year:
✅ Your prescriptions may change.
✅ Your doctor may join or leave a network.
✅ Your health needs may change.
✅ Your plan's copays, deductibles, or drug coverage may change.

We've had countless clients come in convinced they already had the best plan, only to discover there was another option that better fit their current situation—or saved them hundreds of dollars a year.

That's why we recommend an annual Medicare review.

Our reviews are simple, educational, and pressure-free. If your current plan is still your best option, we'll tell you that. If there's a better fit, we'll explain why and let you decide.

At Turning 65 Solutions, our job isn't to move people from plan to plan.

It's to make sure your Medicare continues to work for you.

If it's been a year since your last review, we'd be happy to help.

📍 New Braunfels, Texas
📞 830-217-6711
🌐 T65Solutions.com

Medicare guidance you can trust—right here at home.

Most people have never heard of the new Medicare GLP-1 "Bridge" program.Beginning July 1, 2026, some Medicare beneficiar...
07/16/2026

Most people have never heard of the new Medicare GLP-1 "Bridge" program.

Beginning July 1, 2026, some Medicare beneficiaries may be able to receive certain weight-loss medications for **$50 per month**, regardless of income, through a temporary program that runs through December 31, 2027.

Like most things involving Medicare, though, there are important qualifications.

Not everyone is eligible, and there are a few details that can surprise people—including the fact that the $50 payment **doesn't count toward your Part D deductible or your annual out-of-pocket maximum.**

If your doctor has mentioned medications like Wegovy, Foundayo, or Zepbound, it's worth understanding how this temporary program works before making any decisions.

We've put together the infographic below to explain the basics in plain English.

As always, our goal is to help our neighbors here in New Braunfels understand their Medicare options—not to sell you something you don't need.

If you're wondering whether this program works with your current Medicare plan, we're happy to walk through it with you.

📍 Turning 65 Solutions
📞 830-217-6711
🌐 t65solutions.com

The Lowest Medicare Premium Isn't Always the Lowest CostOne of the biggest mistakes we see is choosing a Medicare plan b...
07/14/2026

The Lowest Medicare Premium Isn't Always the Lowest Cost

One of the biggest mistakes we see is choosing a Medicare plan based on the monthly premium alone.

A $0 premium can sound great... until you need surgery.

Or chemotherapy.

Or spend several days in the hospital.

The real question isn't:

"What's the cheapest plan?"

It's:

"What will this plan cost me when I actually use it?"

That's why we look beyond the premium and compare things like:

✅ Deductibles
✅ Copays
✅ Maximum out-of-pocket costs
✅ Doctor and hospital networks
✅ Prescription drug costs
✅ How often you expect to use healthcare

Sometimes the lowest premium really is the best option.

Sometimes spending a little more each month can save thousands later.

There isn't one "best" Medicare plan.

There's only the plan that's best for you.

If you'd like a second opinion before Annual Enrollment begins, we're happy to review your current coverage—no pressure and no obligation.

📍 Right here in New Braunfels.

📞 830-217-6711

🌐 www.t65solutions.com

Address

1619 East Common Street
New Braunfels, TX
78130

Opening Hours

Monday 8:30am - 4pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8:30am - 4pm

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