Turning 65 and Medicare: What You Need to Know About Life & Supplemental Insurance

Introduction

Turning 65 is a major life milestone—and for many, it’s the age when Medicare eligibility begins. But Medicare is only one piece of the healthcare and financial protection puzzle. Whether you’re still working, retired, or somewhere in between, understanding your options for life insurance and supplemental insurance is essential to ensure peace of mind in your golden years.

At Jay Insurance Group, we help clients in Clarksville, TN, and surrounding communities make informed decisions about their coverage. In this post, we’ll break down what you need to know about Medicare, life insurance, and how supplemental policies can protect you from unexpected costs.

Understanding Your Medicare Options

For those turning 65 and enrolling in Medicare, the process can feel overwhelming at first. Here’s a simplified look at what you need to know.

Original Medicare (Parts A & B):

• Part A covers hospital stays, skilled nursing facility care, hospice, and some home health care.

• Part B includes doctor visits, outpatient care, preventive services, and medical equipment.

But Medicare alone doesn’t cover everything. In fact, there are notable gaps—like dental, vision, hearing aids, and most prescription drugs. That’s where additional coverage comes in.

Medicare Advantage (Part C) is an all-in-one alternative offered by private insurers. These plans often include Part D drug coverage and may offer extra benefits like gym memberships and transportation.

Prescription Drug Plans (Part D) are standalone policies that help cover the cost of medications. If you choose Original Medicare, you’ll need to add a Part D plan separately.

Medicare Supplement (Medigap) Policies help pay for deductibles, coinsurance, and copays that Medicare doesn’t cover. Jay Insurance Group can help you compare Medigap vs. Advantage plans based on your personal needs.

Do You Still Need Life Insurance at 65?

One of the most common questions we get from clients turning 65 and enrolling in Medicare is: “Do I still need life insurance?” The answer depends on your financial goals and family situation.

Here are a few key reasons why life insurance after 65 still matters:

• Final expense planning: Life insurance can cover funeral and burial costs, reducing the financial burden on your loved ones.

• Debt protection: If you still have a mortgage, credit card debt, or personal loans, a policy can help pay off those obligations.

• Legacy planning: Many people want to leave behind a financial gift to their children, grandchildren, or a favorite charity.

• Pension gap coverage: If your spouse relies on your income, life insurance can help replace it after you’re gone.

At Jay Insurance Group, we offer a range of life insurance options, including whole life, term life, and guaranteed issue plans for those with pre-existing conditions.

Why Supplemental Insurance Matters When You're Turning 65 and on Medicare

While Medicare provides a strong foundation, it doesn’t cover everything. That’s why many people turning 65 and on Medicare explore supplemental insurance to bridge the coverage gaps.

Supplemental policies are designed to pay for things that Medicare doesn’t, including:

• Out-of-pocket costs like deductibles, coinsurance, and copays

• Critical illness coverage (such as cancer insurance)

• Accident protection for injuries and ER visits

• Hospital indemnity insurance, which pays a set amount per day you're hospitalized

• For example, a sudden cancer diagnosis can lead to thousands of dollars in uncovered expenses. Cancer insurance helps by providing a lump-sum payment you can use for anything—from medical bills to travel and living costs during treatment.

Jay Insurance Group offers personalized recommendations based on your health risks, lifestyle, and budget. We’ll help you find the right combination of plans so you’re covered no matter what life throws your way.

Evaluating Dental, Vision & Hearing Coverage at 65

One of the most surprising things about Medicare is what it doesn’t cover—especially when it comes to routine care for your eyes, ears, and teeth.

If you're turning 65 and enrolling in Medicare, you'll quickly realize that:

• Dental care (cleanings, fillings, dentures) isn’t included in Original Medicare

• Vision exams, eyeglasses, and contacts are not covered unless related to a medical condition

• Hearing aids and exams are usually excluded

To fill this gap, many seniors opt for standalone dental, vision, and hearing plans. These affordable policies are tailored for Medicare-aged individuals and can help prevent high out-of-pocket costs for routine and specialized care.

Jay Insurance Group partners with leading carriers like Aetna, Humana, and Wellcare to bring you affordable options that integrate seamlessly with your existing Medicare plan.

FAQs About Retirement Insurance Planning

1. Should I keep my employer insurance after turning 65 and getting Medicare?

It depends. Some people delay Medicare Part B if they’re still working and covered by an employer plan. Others may use Medicare as their primary insurance and drop employer coverage. We’ll help you review your options.

2. Is life insurance more expensive after 65?

Premiums are generally higher, but options like final expense or guaranteed issue life insurance are available and more affordable than many think.

3. Can I get supplemental insurance if I have pre-existing conditions?

Yes. Many supplemental plans, including cancer and hospital indemnity policies, have simplified underwriting or no medical questions.

4. What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare and offers flexibility with provider choice. Medicare Advantage replaces Original Medicare and often includes extra benefits but may have network restrictions.

5. How do I get help choosing the right plan?

Simple—reach out to the team at Jay Insurance Group. We offer one-on-one consultations to explain your options clearly and help you make the best decision.

Why Jay Insurance Group Is Your Trusted Partner When Turning 65 and Enrolling in Medicare

Navigating insurance at any age can be confusing—but when you're turning 65 and enrolling in Medicare, it's especially important to have expert guidance. That’s where Jay Insurance Group comes in.

Based in Clarksville, TN, we’ve been helping individuals and families find the right health, life, and supplemental insurance solutions since 2013. We’re proud to offer:

• Personalized consultations by appointment

• A wide range of plans from trusted carriers like Humana, Aetna, Devoted, Blue Cross Blue Shield, and more

• Deep knowledge of Medicare, Medigap, and Advantage plans

• Individual and group coverage options

• Friendly, educational, no-pressure service

We’re more than insurance agents—we’re advocates who take the time to understand your needs and guide you with integrity and care. Our mission is to empower you with the information and confidence to make smart choices about your coverage as you age.

Conclusion: Make Turning 65 a Confident Transition

Turning 65 and enrolling in Medicare doesn’t have to be overwhelming. By understanding your Medicare options, evaluating your life insurance needs, and considering supplemental policies like accident, cancer, and dental coverage, you can enter this new stage of life with clarity and peace of mind.

Jay Insurance Group is here to walk you through each step. Whether you need help choosing between Medicare Advantage and Medigap, want to explore affordable life insurance, or have questions about dental and vision plans—we’re ready to help.

Call to Action: Let’s Find the Right Plan for You

If you or a loved one is turning 65 and needs help with Medicare, life insurance, or supplemental coverage, now’s the time to get expert support.

Call us at (731) 707-0489

Email us at jay3383@gmail.com

Serving Clarksville, TN, and surrounding counties

Available by appointment Monday through Saturday, 9:00 AM–6:00 PM

Let Jay Insurance Group give you the guidance and protection you deserve.