--- title: Older Physicians - Get Support to Secure the Right Health Insurance Coverage description: Securing sufficient medical insurance coverage as you approach your 65th birthday is crucial. Even as a physician, deciding on which plan is right for you can be a complicated task. image: https://www.tmait.org/hubfs/June%202023/June%202023%20Week%204%20-%20Medicare.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/June%202023/June%202023%20Week%204%20-%20Medicare.png) [Health Insurance](https://www.tmait.org/blog/topic/health-insurance) # Older Physicians - Get Support to Secure the Right Health Insurance Coverage 24 June 2023 Securing sufficient medical insurance coverage as you approach your 65th birthday is crucial. Even as a physician, deciding on which plan is right for you can be a complicated task. Fortunately, TMA Insurance Trust can help you examine your options when considering Medicare Supplement and Part D prescription insurance so that you can make informed decisions and avoid costly mistakes. ## Important Healthcare Decisions Knowledge is power, especially in making important decisions concerning your healthcare. Therefore, the key to filtering through the barrage of information is not only understanding what you have learned from your experience as a physician but also utilizing the resources of a TMA Insurance Trust advisor. An advisor can help you get answers to questions like: - I’m turning 65 and still working, do I need to enroll in Original Medicare? - Do I need to enroll in both Medicare Part A and Part B at the same time? - Are there penalties if I don’t enroll for Medicare at the right time? - I have dependents on my health insurance at work. If I enroll in Medicare, can I keep my employer’s group health insurance? - I plan on enrolling for Medicare. What is Medicare Supplement, and do I need it? - I take prescriptions every day. Are they covered by Medicare? - Do I need to replace my dental insurance and other coverage if I enroll in Medicare? Knowing the answers to these questions and making informed decisions early may help you avoid penalties, and avoid any gaps in your medical coverage. TMA Insurance Trust can help you to examine your choices and make decisions that are right for you and those still dependent on you. [![We're here to help - CLICK HERE or call today](https://no-cache.hubspot.com/cta/default/400074/7829f8f8-700e-43fb-8af1-1dfc68feb7ae.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/7829f8f8-700e-43fb-8af1-1dfc68feb7ae)***[800-880-8181](tel:800-880-8181) 8:00 – 5:00 CST Monday – Friday*** ## Advisors to Help You Get the Best Coverage Understanding the intricacies of health insurance can be complex and confusing, especially after the age of 65. Although you are ready to relax and enjoy this phase of your life, you still have many decisions to make concerning your health care. You are not alone, as a physician in Texas, you have an ally - TMA Insurance Trust. Contact a TMA Insurance Trust advisor for guidance. Our advisors are licensed, experienced insurance professionals. They will help you make the best decision given your unique circumstances, so you may get sufficient medical coverage without any gaps. For your personal consultation, call TMA Insurance Trust at 800-880-8181 between the hours of 8:00 AM and 5:00 PM CST. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/e225e22c-eea0-405c-b027-0babe38d77d5.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/e225e22c-eea0-405c-b027-0babe38d77d5) For over 65 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry. ** [ Health Insurance ](https://www.tmait.org/blog/topic/health-insurance) [, Nearing Retirement ](https://www.tmait.org/blog/topic/nearing-retirement) [, Retired Physicians ](https://www.tmait.org/blog/topic/retired-physicians) [, Medicare Part D ](https://www.tmait.org/blog/topic/medicare-part-d) [, Medicare Supplement ](https://www.tmait.org/blog/topic/medicare-supplement) ** [Medicare](https://www.tmait.org/blog/topic/medicare) [**Previous Entries](https://www.tmait.org/blog/beyond-open-enrollment-access-better-health-insurance-all-year-long-group-benefits) [Next Entries**](https://www.tmait.org/blog/give-your-family-more-financial-stability-with-term-life-insurance) ## Recommended Posts ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) ### [Practice Owners Share Their Experience Navigating PPO Health Insurance Options](https://www.tmait.org/blog/practice-owners-share-their-experience-navigating-ppo-health-insurance-options-group-benefits) ### [Give Your Group Health Coverage Another Look](https://www.tmait.org/blog/give-your-group-health-coverage-another-look-group-benefits) ### [Group Health Insurance for Today's Independent Physician](https://www.tmait.org/blog/group-health-insurance-for-todays-independent-physician-group-benefits) ### [Final Opportunity to Check If a Group PPO Plan Is Possible for 2026](https://www.tmait.org/blog/final-opportunity-to-check-if-a-group-ppo-plan-is-possible-for-2026-open-enrollment) ### [PPO Access Alert: What Practice Owners Must Know Before 2026](https://www.tmait.org/blog/ppo-access-alert-what-practice-owners-must-know-before-2026-open-enrollment) ### [Don’t Renew Yet! Access Group PPO Coverage Even With No Employees](https://www.tmait.org/blog/dont-renew-yet-access-group-ppo-coverage-even-with-no-employees-open-enrollment) ### [Medicare Is Complicated – Getting Help Is Easy](https://www.tmait.org/blog/medicare-is-complicated-getting-help-is-easy) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) ### [Is Your Insurance Retirement Ready?](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [Medicare Annual Enrollment – Avoid Costly Gaps and Lifelong Penalties](https://www.tmait.org/blog/medicare-annual-enrollment-avoid-costly-gaps-and-lifelong-penalties) ### [Ready, Get Set, Mark Your Calendars - It’s Time to Look at Medicare](https://www.tmait.org/blog/ready-get-set-mark-your-calendars-its-time-to-look-at-medicare) ### [Medicare Enrollment Begins October 15th: Critical Details for Your Coverage](https://www.tmait.org/blog/medicare-enrollment-begins-october-15th-critical-details-for-your-coverage) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Medicare Is Complicated – Getting Help Is Easy](https://www.tmait.org/blog/medicare-is-complicated-getting-help-is-easy) ### [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [A Year of Travel with Your New TMA Member Travel Insurance Benefit](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) ### [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) ### [Is Your Insurance Retirement Ready?](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) ### [One Plan for the Year—Travel Insurance That Covers Every Trip](https://www.tmait.org/blog/one-plan-for-the-year-travel-insurance-that-covers-every-trip) ### [How TMA Insurance Trust Reinvests in You](https://www.tmait.org/blog/how-tma-insurance-trust-reinvests-in-you) ### [Medicare Is Complicated – Getting Help Is Easy](https://www.tmait.org/blog/medicare-is-complicated-getting-help-is-easy) ### [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [A Year of Travel with Your New TMA Member Travel Insurance Benefit](https://www.tmait.org/blog/a-year-of-travel-with-your-new-tma-member-travel-insurance-benefit) ### [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) ### [Medicare Is Complicated – Getting Help Is Easy](https://www.tmait.org/blog/medicare-is-complicated-getting-help-is-easy) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) ### [Is Your Insurance Retirement Ready?](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [Medicare Annual Enrollment – Avoid Costly Gaps and Lifelong Penalties](https://www.tmait.org/blog/medicare-annual-enrollment-avoid-costly-gaps-and-lifelong-penalties) ### [Ready, Get Set, Mark Your Calendars - It’s Time to Look at Medicare](https://www.tmait.org/blog/ready-get-set-mark-your-calendars-its-time-to-look-at-medicare) ### [Medicare Enrollment Begins October 15th: Critical Details for Your Coverage](https://www.tmait.org/blog/medicare-enrollment-begins-october-15th-critical-details-for-your-coverage) ### [Medicare Is Complicated – Getting Help Is Easy](https://www.tmait.org/blog/medicare-is-complicated-getting-help-is-easy) ### [Close the Medicare Gap with the Right Supplement and Part D Coverage](https://www.tmait.org/blog/close-the-medicare-gap-with-the-right-supplement-and-part-d-coverage) ### [Medicare After 65: How to Avoid Costly Mistakes If You Keep Working](https://www.tmait.org/blog/medicare-after-65-how-to-avoid-costly-mistakes-if-you-keep-working) ### [Is Your Insurance Retirement Ready?](https://www.tmait.org/blog/is-your-insurance-retirement-ready-medicare) ### [Don’t Let These Coverage Gaps Surprise You in Retirement](https://www.tmait.org/blog/dont-let-these-coverage-gaps-surprise-you-in-retirement-medicare) ### [Medicare Annual Enrollment – Avoid Costly Gaps and Lifelong Penalties](https://www.tmait.org/blog/medicare-annual-enrollment-avoid-costly-gaps-and-lifelong-penalties) ### [Ready, Get Set, Mark Your Calendars - It’s Time to Look at Medicare](https://www.tmait.org/blog/ready-get-set-mark-your-calendars-its-time-to-look-at-medicare) ### [Medicare Enrollment Begins October 15th: Critical Details for Your Coverage](https://www.tmait.org/blog/medicare-enrollment-begins-october-15th-critical-details-for-your-coverage) ## Speak with a TMA Insurance Trust Advisor: ### Latest Post ![A New Alternative for Group Health Insurance](https://www.tmait.org/hubfs/July%202026/July%202026%20Week%201%20-%20Group%20Health.png) ### [A New Alternative for Group Health Insurance](https://www.tmait.org/blog/a-new-alternative-for-group-health-insurance-group-benefits) Jul. 04 2026 ![Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%204%20-%20Group%20Health.png) ### [Why Going It Alone on Group Health Coverage Costs Your Practice](https://www.tmait.org/blog/why-going-it-alone-on-group-health-coverage-costs-your-practice-group-benefits) Jun. 27 2026 ![Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%203%20-%20Dental.png) ### [Dental Insurance and the Habits It Helps Shape](https://www.tmait.org/blog/dental-insurance-and-the-habits-it-helps-shape) Jun. 20 2026 ![Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/hubfs/June%202026/June%202026%20Week%202%20-%20Accident.png) ### [Unexpected Doesn't Have to Mean Unprepared This Summer](https://www.tmait.org/blog/unexpected-doesnt-have-to-mean-unprepared-this-summer) Jun. 13 2026 ### POPULAR TOPICS - [Practice Owners (218)](https://www.tmait.org/blog/topic/practice-owners) - [Women Physicians (182)](https://www.tmait.org/blog/topic/women-physicians) - [Independent Physician (175)](https://www.tmait.org/blog/topic/independent-physician) - [Young Physicians (163)](https://www.tmait.org/blog/topic/young-physicians) - [Insurance for Women (162)](https://www.tmait.org/blog/topic/insurance-for-women) - [Employed Physicians (155)](https://www.tmait.org/blog/topic/employed-physicians) - [Locum Tenens (136)](https://www.tmait.org/blog/topic/locum-tenens) - [Residents (134)](https://www.tmait.org/blog/topic/residents) - [Disability Insurance (128)](https://www.tmait.org/blog/topic/disability-insurance) - [Health Insurance (127)](https://www.tmait.org/blog/topic/health-insurance) - [Practice Managers (94)](https://www.tmait.org/blog/topic/practice-managers) - [Life Insurance (86)](https://www.tmait.org/blog/topic/life-insurance) - [Independent Contractor (84)](https://www.tmait.org/blog/topic/independent-contractor) - [Open Enrollment (73)](https://www.tmait.org/blog/topic/open-enrollment) - [Group Benefits (65)](https://www.tmait.org/blog/topic/group-benefits) - [Group Coverage (61)](https://www.tmait.org/blog/topic/group-coverage) - [Retired Physicians (59)](https://www.tmait.org/blog/topic/retired-physicians) - [Individual Coverage (58)](https://www.tmait.org/blog/topic/individual-coverage) - [Nearing Retirement (57)](https://www.tmait.org/blog/topic/nearing-retirement) - [Family (52)](https://www.tmait.org/blog/topic/family) - [Medicare (43)](https://www.tmait.org/blog/topic/medicare) - [Medical Practice (39)](https://www.tmait.org/blog/topic/medical-practice) - [Business Overhead Expense Insurance (35)](https://www.tmait.org/blog/topic/business-overhead-expense-insurance) - [Practice Management (35)](https://www.tmait.org/blog/topic/practice-management) - [Critical Illness Insurance (33)](https://www.tmait.org/blog/topic/critical-illness-insurance) - [Medicare Part D (31)](https://www.tmait.org/blog/topic/medicare-part-d) - [Dental Insurance (30)](https://www.tmait.org/blog/topic/dental-insurance) - [Medicare Supplement (29)](https://www.tmait.org/blog/topic/medicare-supplement) - [Life Events (28)](https://www.tmait.org/blog/topic/life-events) - [Insurance For Good (26)](https://www.tmait.org/blog/topic/insurance-for-good) - [Business of Medicine (25)](https://www.tmait.org/blog/topic/business-of-medicine) - [Auto Insurance (21)](https://www.tmait.org/blog/topic/auto-insurance) - [Accident Insurance (20)](https://www.tmait.org/blog/topic/accident-insurance) - [Homeowners Insurance (19)](https://www.tmait.org/blog/topic/homeowners-insurance) - [Retirement (15)](https://www.tmait.org/blog/topic/retirement) - [Short Term Disability (15)](https://www.tmait.org/blog/topic/short-term-disability) - [Young Physicans (15)](https://www.tmait.org/blog/topic/young-physicans) - [Medical Insurance (12)](https://www.tmait.org/blog/topic/medical-insurance) - [Featured (11)](https://www.tmait.org/blog/topic/featured) - [Medigap (11)](https://www.tmait.org/blog/topic/medigap) - [Accidental Death and Dismemberment (10)](https://www.tmait.org/blog/topic/accidental-death-and-dismemberment) - [HSA (10)](https://www.tmait.org/blog/topic/hsa) - [Personal Umbrella Insurance (10)](https://www.tmait.org/blog/topic/personal-umbrella-insurance) - [Insurance Review (9)](https://www.tmait.org/blog/topic/insurance-review) - [Renters Insurance (9)](https://www.tmait.org/blog/topic/renters-insurance) - [Term Life Insurance (9)](https://www.tmait.org/blog/topic/term-life-insurance) - [Auto & Home Insurance (8)](https://www.tmait.org/blog/topic/auto-home-insurance) - [Supplemental Hospital Indemnity Insurance (6)](https://www.tmait.org/blog/topic/supplemental-hospital-indemnity-insurance) - [Travel Insurance (6)](https://www.tmait.org/blog/topic/travel-insurance) - [Comparing Insurance Providers (3)](https://www.tmait.org/blog/topic/comparing-insurance-providers) - [Pet Insurance (3)](https://www.tmait.org/blog/topic/pet-insurance) - [Short-Term Medical Insurance (3)](https://www.tmait.org/blog/topic/short-term-medical-insurance) - [Medevac Insurance (2)](https://www.tmait.org/blog/topic/medevac-insurance) - [Office Overhead Expense Insurance (2)](https://www.tmait.org/blog/topic/office-overhead-expense-insurance) - [Vision Insurance (2)](https://www.tmait.org/blog/topic/vision-insurance) - [COVID-19 FAQs (1)](https://www.tmait.org/blog/topic/covid-19-faqs) - [Financial Advice (1)](https://www.tmait.org/blog/topic/financial-advice) - [Key Person Insurance (1)](https://www.tmait.org/blog/topic/key-person-insurance) - [Prescription Drug Coverage (1)](https://www.tmait.org/blog/topic/prescription-drug-coverage) [See all](https://www.tmait.org/blog/older-physicians-get-support-to-secure-the-right-health-insurance-coverage-medicare#) ### Newsletter signup to receive our monthly newsletter [* * Contact Us](https://www.tmait.org/blog/older-physicians-get-support-to-secure-the-right-health-insurance-coverage-medicare#bott-scroll) ![border](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/border.png?width=1200&height=44&name=border.png "border") ### Quick Links - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Home](https://www.tmait.org/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Testimonials](https://www.tmait.org/testimonials) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [About](https://www.tmait.org/about) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Privacy Policy](https://www.tmait.org/privacy-policy) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Contact](https://www.tmait.org/contact) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Resources](https://www.tmait.org/resources) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Our Blog](https://www.tmait.org/blog) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Self-Service Portal](https://tmait.aebsys.com/#/) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Insurance For Good](https://www.tmait.org/blog/insurance-for-good) - ![](https://www.tmait.org/hubfs/TMA%20Insurance%20March%202019/Image/double-arrow.png) [Anticipate Joy](https://www.tmait.org/anticipate-joy) ### Connect With Us - [* *](https://www.facebook.com/TMAInsuranceTrust) - [* *](https://twitter.com/TMAIT) - [* *](https://www.youtube.com/user/TMAInsuranceTrust) We were created and are exclusively endorsed by the [Texas Medical Association](https://www.texmed.org/) © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST © 2026 TEXAS MEDICAL ASSOCIATION INSURANCE TRUST ![](https://googleads.g.doubleclick.net/pagead/viewthroughconversion/956622860/?value=0&guid=ON&script=0) ![](https://analytics.twitter.com/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=l5yi3&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://analytics.twitter.com/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0) ![](https://t.co/i/adsct?txn_id=nukif&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0)