Top 5 Medicare Mistakes to Avoid
Enrolling in Medicare? These common errors can cost you thousands in penalties and missed coverage. Here's how to avoid them.
Get the GuideMissing Your Initial Enrollment Period (IEP)
You have a 7-month window around your 65th birthday to enroll in Medicare. Miss it, and you could face lifetime late penalties on Part B and Part D premiums. Some people think they can wait because they have employer coverage. But the rules are strict. We check your exact timeline so you never miss a deadline.
Waiting Too Long During Annual Enrollment (AEP)
AEP runs October 15 to December 7 every year. This is your chance to switch plans, add drug coverage, or fix mistakes. But too many people wait until the last week and rush through a decision they regret for the full next year. Plan early so you have time to compare and choose wisely.
Not Checking Your Doctors & Medications
The cheapest plan isn't always the best. If your doctors, hospitals, or prescriptions aren't covered, you could pay far more out-of-pocket. Every plan has a network and formulary (drug list). We verify your specific doctors and medications before recommending any plan.
Choosing the Same Plan as Your Friend or Spouse
Everyone's health and budget are different. A plan that works perfectly for your neighbor might be terrible for you. We personalize our recommendations based on your doctors, medications, and budget - not someone else's situation.
Not Reviewing Your Plan Every Year
Plans change yearly. Premiums go up, drug lists change, networks shrink. If you don't review annually, you could be overpaying or missing better options. We offer annual reviews to make sure your plan still fits your needs.
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