
Common Medicare Mistakes
Many people make costly mistakes with Medicare, often without even realizing it. Some of these mistakes can cause penalties that never go away, while others can leave you without the coverage you need when you need it most. By knowing what the most common mistakes are, you can avoid them and make smarter choices for your health and your wallet.
Missing the Initial Enrollment Period → Late penalties that last forever.
Signing up too late for Part B without job insurance → No coverage and big medical bills.
Skipping Part D drug coverage → Penalties later, even if you don’t take medicine now.
Choosing the wrong plan → Doctors, hospitals, or medicines may not be covered.
Not reviewing your plan each year → You may overpay or lose drug coverage when plans change.
Mixing up Medicare Advantage and Supplements → You can’t have both at the same time.
Not knowing what Medicare doesn’t cover → Surprise costs for dental, vision, hearing aids, or long-term care.
Forgetting that Part B has no spending limit → The 20% you pay can add up to very high bills.
Dropping job insurance too soon → Can leave you with a gap in coverage.
Trusting telemarketers or scam calls → Risk of being tricked into a bad or fake plan.
Common Myths about Working with an Agent/Broker that Specializes in Medicare

Myth # 1: “I must have to pay a fee to use a broker and get their help with all this”
TRUTH: We do not charge you any fees for our services.
Myth # 2: “Nobody works for free, so the insurance company must charge a higher price in order to go through a broker like you”
TRUTH: You pay exactly the same price whether you use our help throughout the whole process or go at it alone. The insurance companies pay us for educating and helping you enroll.
Myth # 3: “If you get paid by the insurance companies, you must be bias towards certain companies.”
TRUTH: We have access to over 25 different companies and get paid by whichever you choose, so we aren’t bias toward one company over another. Our loyalty is with you, not a specific insurance company.
Myth # 4: “Once I choose my plan, I’m good to go and don’t have to think about it anymore.”
TRUTH: Medicare is not a set it and forget it program. You will inevitably have to make changes throughout the years and we plan to be here for you.

Unless you are retiring with employer coverage, you have two main choices for Medicare: a Medicare Supplement plus a Drug Plan or a Medicare Advantage Plan.