Licensed Kansas agent · No-cost consultations (785) 843-0288
LSI Lawrence Senior Insurance Medicare · Lawrence, Kansas (785) 843-0288
Lawrence, Kansas · Medicare Guidance

Turning 65 In Lawrence?
Here's Your Medicare Roadmap.

Medicare at 65 comes with specific enrollment windows, penalty rules, and plan decisions that affect you for life. A licensed Kansas agent walks you through it step by step, at no cost.

Two Ways To Start
  1. Use the T-65 Enrollment Tool → See your exact enrollment window
  2. Call Adam directly at (785) 843-0288
Call Adam (785) 843-0288
Already on Medicare or helping a parent? Start here →
Adam - Licensed Kansas insurance agent at Lawrence Senior Insurance
Adam
Your Lawrence Turning 65 Guide
Locally based
Lawrence, Kansas native
Licensed & AHIP certified
Kansas insurance agent
Always free for you
No-cost consultations
No-pressure
Educational approach
Medicare information reviewed and updated July 2026 · 2026 Part B premium: $202.90/month
Free T-65 Tool
When Can I Enroll In Medicare?

Enter your birth month and year. See your exact Initial Enrollment Period window and avoid lifetime late-enrollment penalties.

Your Turning 65 Roadmap

Five milestones. Get each one right and Medicare works the way it should.

1
6 Months Before 65
Start learning your options. Gather your provider and medication lists.
2
3 Months Before 65
Your IEP opens. Enroll now for coverage starting your birthday month.
3
Your Birthday Month
Coverage can begin. Confirm cards, coverage, and pharmacy setup.
4
3 Months After 65
Your IEP closes. Miss it and lifetime penalties can apply.
5
Every Year After
Review your plan each Annual Enrollment Period, Oct 15 - Dec 7.
See The Full Lawrence T-65 Checklist →

Already On Medicare Or Helping A Parent?

Not turning 65? Start here instead.

Review Or Switch Your Plan
When you can change, what to compare, and whether your current plan still fits.
Switching guide →
Annual Open Enrollment
Oct 15 - Dec 7 each year. What the window covers and how to prepare.
AEP guide →
Helping A Parent
Verified Lawrence resources: SHICK counseling, transportation, home health, and more.
Resource directory →

The Mistakes That Cost Lawrence Seniors The Most

Delaying Part B without creditable coverage
Triggers a 10% lifetime penalty per 12 months delayed.
Skipping Part D because you take no medications
The Part D penalty is 1% per month delayed, for life. A low-cost plan now prevents it.
Missing your one-time Medigap Open Enrollment
The 6-month window when carriers can't deny you or charge more for health reasons.
See All 7 Medicare Mistakes To Avoid →
Free Calculator
How Much Would A Part B Late Penalty Cost You?

Missing your Initial Enrollment Period triggers a permanent Part B late enrollment penalty. The penalty is 10% of the standard premium for every full 12 months you delayed, added to your premium for life. See what it could cost.

Based on 2026 standard Part B premium of $202.90/month

More on how the Part B penalty works →

Adam's Approach

The Four Pillar Medicare Review

We walk through your Doctors, Prescriptions, Budget, and Lifestyle, in that order, before recommending any path. No assumptions, no shortcuts.

(785) 843-0288

The Four Parts Of Medicare

Plus Medigap. Here's how the pieces fit, with a deeper guide behind each one.

Part A
Hospital insurance. Premium-free for most people.
Learn more →
Part B
Medical insurance. $202.90/month standard in 2026.
Learn more →
Part C (Advantage)
Private plans bundling A, B, and usually D. Networks apply.
Learn more →
Part D
Prescription drug coverage. Every plan has its own formulary.
Learn more →
Medigap
Fills the gaps Original Medicare leaves. Plan G and N most popular.
Learn more →
Adam - Licensed Kansas insurance agent at Lawrence Senior Insurance
Adam
Licensed Kansas Agent · AHIP Certified
Lawrence native: Free State HS · BS Finance, KU

Helping Lawrence Residents Get Medicare Right The First Time

I grew up in Lawrence, graduated from Free State High School, and earned a Bachelor of Science in Finance from the University of Kansas. I came back to Lawrence to do something that mattered: helping the people I grew up around navigate one of the most confusing decisions of their lives. Medicare at 65 isn't just paperwork. It's a choice that affects which doctors you can see, what medications you can afford, and how much financial stress you carry into retirement.

Most of the people I help are turning 65 or within a year or two of that milestone. I spend as much time as you need walking through the Four Pillars, your doctors at LMH Health or KU Med, your prescriptions, your budget, and your life situation, before any plan discussion. No pressure to enroll same-day. No sales pitch. If you leave our conversation and decide to stick with what you've already got, that's a good outcome too. My job is to make sure you understand the decision you're making.

"Turning 65 in Lawrence shouldn't feel like reading a foreign language. My job is to translate it. Honestly, patiently, and without trying to sell you something that doesn't fit."
Adam
Appointed With Major Carriers In Kansas
Blue Cross Blue Shield of Kansas United Healthcare Humana Wellcare Devoted Health

Adam is appointed with all major Medicare carriers serving Kansas, which means options are compared across carriers, not sold to you from a single company.

(785) 843-0288
Lawrence, Kansas · Local Knowledge

Medicare In Lawrence: The Local Picture

Choosing the right Medicare plan in Lawrence isn't just about premiums. It's about which local doctors, hospitals, and pharmacies a plan actually contracts with. Here's the on-the-ground picture.

LMH Health (Main Campus)
325 Maine St, Lawrence, KS 66044. A 174-bed community hospital with the area's primary Emergency Department. Original Medicare is broadly accepted; Medicare Advantage participation varies by plan and product line, so always verify before enrolling. Source: lmh.org/locations
The University of Kansas Health System
KU Health operates the LMH Health West Campus in Lawrence and its main academic medical center in Kansas City. Many Lawrence seniors travel to KU for specialty and advanced care, so we routinely check whether a given Medicare Advantage plan includes KU's network. Source: kansashealthsystem.com
Douglas County Senior Resource Center
745 Vermont St, Lawrence, KS 66044. (785) 842-0543. Mon-Fri 8:30a-4:30p. The county's hub for SHICK Medicare counseling, Senior Wheels transportation, activities, and connections to in-home support. Source: dgcoks.gov/senior-resource-center
SHICK: Free, Unbiased Medicare Counseling
The Kansas State Health Insurance Assistance Program (SHIP), administered by KDADS. Volunteer counselors not affiliated with any insurance company. Statewide hotline: 1-800-860-5260. Local appointments available through the Senior Resource Center. Source: kdads.ks.gov
Douglas County Visiting Nurses Association
200 Maine St, Suite C, Lawrence, KS 66044. (785) 843-3738. Non-profit home health serving seniors managing chronic conditions or recovering from a hospital stay, typically billed under Medicare Part A or B home-health benefits. Source: kansasvna.org
Bert Nash Community Mental Health Center
200 Maine St, Suite A, Lawrence, KS 66044. Behavioral health for Douglas County. The Treatment & Recovery Center at 1000 W 2nd St offers walk-in crisis care 24/7. Crisis: 988. Source: bertnash.org/contact
Social Security Administration, Lawrence Office
1440 Wakarusa Dr, Suite 200, Lawrence, KS 66049. 1-866-698-2561 (national: 1-800-772-1213). Where most Lawrence residents enroll in Medicare Part A & B. Appointments strongly recommended. Source: ssa.gov locator
Senior Transportation In Douglas County
Three options serve Lawrence seniors: Senior Wheels (Senior Resource Center), Independence, Inc., and the City's Lawrence Transit / T Lift ADA paratransit. Important when picking a Medicare Advantage plan with non-emergency transportation benefits. Source: dgcoks.gov

Neighborhoods & Areas We Serve

We meet clients across every part of Lawrence, from the historic Old West Lawrence and Oread districts near KU and Mass Street, to Pinckney, East Lawrence, North Lawrence, Brook Creek, Centennial, Schwegler, and the newer Prairie Park and west-side neighborhoods near Wakarusa and 6th Street.

Beyond the city, we serve Douglas County, including Eudora, Baldwin City, Lecompton, and the rural areas around Clinton Lake, as well as nearby Tonganoxie, Perry, Lawrence-area Leavenworth County, and the broader northeast Kansas region.

City historic districts and neighborhood boundaries reference: City of Lawrence Historic District Maps.

What To Expect

What Happens When You Call

A consultation is simply a conversation. No obligation. No pressure.

1

You Call Or Request A Callback

Reach Adam by phone or through the form. A real person answers, no phone tree.

2

We Schedule A Time

Pick what's convenient. Consultations happen by phone, video, or in person at our Lawrence office.

3

The Four Pillar Review

We walk through doctors, prescriptions, budget, and life situation before any plan discussion.

4

You Decide At Your Pace

No pressure to sign anything that day. Take notes, ask family, sleep on it.

Prefer A Callback?

Adam will call you back within one business day.

Turning 65 Medicare Questions

Do I need to do anything with Medicare when I turn 65?
Yes. If you're receiving Social Security, you'll be automatically enrolled in Parts A and B at 65. If you're not yet on Social Security, you need to actively enroll during your 7-month Initial Enrollment Period (3 months before, the month of, and 3 months after your 65th birthday). You'll also need to decide whether to add Medicare Advantage or Medigap plus Part D. These are separate decisions that affect your coverage for life.
Does Medicare automatically enroll you at 65?
Only if you're already receiving Social Security or Railroad Retirement benefits before age 65. In that case, you'll be automatically enrolled in Medicare Parts A and B the first day of the month you turn 65 (or the month before, if your birthday is on the 1st). If you're not yet collecting Social Security, you must actively sign up for Medicare during your Initial Enrollment Period. Most Lawrence residents who are still working at 65 fall into this second category.
Does Medicare automatically send you a card when you turn 65?
Only if you're auto-enrolled. If you're receiving Social Security or Railroad Retirement benefits, your red, white, and blue Medicare card arrives in the mail about 3 months before your 65th birthday. If you're not yet on Social Security, no card arrives automatically. You must apply for Medicare through Social Security (online at ssa.gov, by phone, or at the Lawrence Social Security office). Once enrolled, your card arrives in the mail within a few weeks.
What do I need to do before I turn 65 for Medicare?
Start 3 to 6 months before your 65th birthday. The action items: (1) Decide whether you'll enroll in Part B or delay it due to creditable employer coverage, (2) Compare Medicare Advantage vs. Medigap + Part D as your coverage structure, (3) Verify your current doctors accept the plans you're considering, (4) Review your prescription drugs against Part D formularies, (5) Apply for Medicare through Social Security if you're not already receiving benefits. The timeline calculator on this page walks you through the first decision.
What is the biggest mistake people make when enrolling in Medicare?
The most costly mistake is missing the Initial Enrollment Period (IEP) without qualifying creditable employer coverage. This triggers a lifetime 10% Part B late-enrollment penalty for every 12 months you delayed. Use the penalty calculator on this page to see what this could cost. The second most common mistake is choosing a Medicare Advantage plan without verifying that your Lawrence doctors and hospitals are in that plan's network. The third is enrolling in Part A while still contributing to an HSA, which disqualifies you from HSA contributions.
When should I start learning about Medicare if I'm turning 65?
3 to 6 months before your 65th birthday is ideal. Your Initial Enrollment Period (IEP) begins 3 months before the month you turn 65. Starting your research earlier gives you time to understand Parts A, B, C, and D without feeling rushed into decisions. Use the timeline calculator at the top of this page to see your exact IEP window.
Does it cost anything to speak with your agent?
No. There is never a cost to you. Licensed Medicare agents are paid by insurance carriers when clients enroll in plans. This means professional guidance at no out-of-pocket cost, and no pressure to enroll in anything that doesn't fit your situation.
What if I'm still working when I turn 65?
This is one of the most nuanced Medicare situations. Whether to enroll in Medicare at 65 depends on your employer's size (20+ employees vs. smaller), whether your employer coverage is creditable, whether you contribute to an HSA, and plan details. The wrong choice can result in late-enrollment penalties or lost HSA contributions. This is exactly the kind of situation a free consultation solves.
Will my LMH Health doctors work with any Medicare plan I choose?
LMH Health accepts Original Medicare broadly. If you choose Original Medicare plus Medigap, you can see any provider at LMH who accepts Medicare. Medicare Advantage plans vary: some include LMH Health in their networks, some don't. We always verify provider inclusion before enrollment. This is one of the main reasons many Lawrence seniors prefer Medicare Supplement.
Are you connected with the federal Medicare program or the government?
No. Lawrence Senior Insurance is an independent, private business. Not connected with, endorsed by, or affiliated with the federal Medicare program or any government agency. For official government information, visit Medicare.gov or call 1-800-MEDICARE.

Questions About Your Turning 65 Timeline?

A consultation is simply a conversation. No obligation. No pressure.

(785) 843-0288
No cost · No pressure · Speak directly with Adam
Call (785) 843-0288