I have retiree coverage. Do I still need Medicare?

Often yes, but the details depend on how your retiree plan coordinates with Medicare. Your benefits administrator can confirm that, and we can help you turn the answer into next steps.

Do you meet clients in Plano?

Our office is in Austin, so Plano appointments are handled by phone or video.

Medicare plans in Plano, Texas

Plano is in Collin County, and many residents here reach Medicare age after a long career with employer coverage, which makes the transition itself the hardest part. Questions about when to take Part B, how retiree benefits coordinate, and whether to keep a spouse on an employer plan come up constantly. RGI Group is a licensed independent Texas agency that helps Plano beneficiaries sort out that sequence before comparing specific plans.

Retiring from employer coverage

If you are moving from a group plan to Medicare, the order of steps matters: confirm whether your coverage is creditable, learn your Part B timing, and understand how a spouse's coverage is affected. Getting this wrong can create a gap or a penalty that is difficult to undo later.

Collin County availability

Plano is served by Collin County plan offerings, which are not identical to Dallas County offerings even though the two are adjacent. If your specialists are in Dallas, verify each one against the specific Collin County plan you are considering.

Planning for a spouse on a different timeline

Couples often reach 65 at different times, so one spouse may move to Medicare while the other stays on employer or Marketplace coverage. Reviewing both timelines in the same conversation avoids a surprise when the second transition arrives.

Questions to ask before choosing a plan

Is my employer or retiree plan creditable coverage for Part B and Part D purposes?
Which Collin County plans include my current physicians?
What happens to my spouse's coverage when I move to Medicare?
Are my prescriptions covered at a tier that works for my budget?

Frequently asked questions

I have retiree coverage. Do I still need Medicare? Often yes, but the details depend on how your retiree plan coordinates with Medicare. Your benefits administrator can confirm that, and we can help you turn the answer into next steps.
Do you meet clients in Plano? Our office is in Austin, so Plano appointments are handled by phone or video.

Important notice

Plan availability, benefits, and any Part B premium reduction vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday.
We do not offer every plan available in your area. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Any information we provide is limited to the plans we offer in your area. To find all of your options, contact Medicare.gov, 1-800-MEDICARE, or the Texas Health Information, Counseling and Advocacy Program (HICAP).

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.