Turning 65 in Guthrie? Start with Medicare Supplement Open Enrollment

Turning 65 in Guthrie: what to do first

If you live in Guthrie and are turning 65, you have more than one decision ahead: Part A and Part B, a Medicare Supplement, and drug coverage. Jeff Spitler can go through them with you in a free review, by phone or in person.

The window that matters most: Medigap Open Enrollment

Your Medicare Supplement (Medigap) Open Enrollment Period is a one-time, 6-month window. It starts the first month you are 65 or older and have Medicare Part B. During it, a company can't refuse to sell you any Medigap policy it offers in Oklahoma and can't charge you more because of pre-existing health problems. After it ends, you may not be able to buy a policy, or it may cost more.

A supplement with Original Medicare

A Medicare Supplement works alongside Original Medicare and helps pay costs like your 20% coinsurance. Medigap policies generally don't cover prescription drugs, so most people add a separate Part D plan. Keep in mind that a Medicare Supplement is only for people with Original Medicare. If you join a Medicare Advantage plan instead, you don't use a supplement. See Supplement vs. Advantage.

Next steps

1. Confirm your Part A and Part B start dates with Social Security or Medicare.gov.
2. Mark your 6-month Medigap window, which starts with Part B once you are 65.
3. Compare Medicare Supplement plan letters and add Part D drug coverage.
4. If a supplement premium doesn't fit your budget, we can also review Medicare Advantage plans I offer.

Nearby: Medicare Supplement in Guthrie · Age 64 checklist · Medicare at 65 in Oklahoma. Already have a supplement? Oklahoma's birthday rule may let you change plans each year.

Sources (checked Oct 30, 2026): Medicare.gov: Medigap Open Enrollment Period · Medicare.gov: When can I buy a Medigap policy?

TTY users call 711. Monday to Friday, 9 AM to 6 PM Central. There is no obligation to enroll.