What is the biggest mistake seniors make when enrolling in Medicare?

Question

Taylor Langlois · Accepted Answer

It sounds cliché coming from me, but the biggest mistake seniors make is not having an independent agent acting on their behalf. When calling into insurance companies for help, their sole job is to sell you their product, whether it's the best option for you or not. You want someone who has a financial incentive to assist you in finding the right type of coverage by going over all your options and not leaving anything to chance. Imagine a doctor that only wrote you prescriptions from one pharmaceutical company; you'd have questions about their motives just as I would too.

Answered by Taylor Langlois on March 12, 2025

Agent Licensed in KS, CO, MO, NE, OK & TX

Answered by Taylor Langlois Medicare Insurance Agent

Larry Dalton · Answer

One of the biggest mistakes I see people make is trusting those constant phone calls from unknown agents. Ever since I turned 65, I’ve been getting weekly calls from strangers claiming to be ‘local’ and promising me something better—it’s overwhelming and often misleading.

Another big issue? Not asking the right questions. It’s so important to find out a company’s rating and how often their premiums go up. Don’t just take their word for it, ask for real documentation.

If you’re approaching Medicare age, give yourself a head start. Don’t wait until the last minute. Start researching a few months early. Attend a seminar, learn about the two different coverage paths Medicare offers, and check in with your current doctors to see what plans they accept.

Find a licensed health agent to maintain ongoing communication with you throughout the year.

The more informed you are, the more confident you’ll feel when it’s time to choose.

Lt Col Tim Brown · Answer

Not consulting an agent broker with time in grade. In other words, experience. The other thing would be to select an agent broker with multiple companies.

Norman Smith · Answer

They under think the future! They aren’t in recognition that their health today is most likely the best health they will have moving forward! Do you think you will be in better health now or in 10 years? - The body doesn’t work like that even if you were the second coming of Jack Lalanne!! And so with NO UNDERWRITING involved, they should invest in THE BEST COVERAGE THEY CAN NOW!!!

Answered by Norman Smith on March 29, 2025

Agent Licensed in FL & PA

Answered by Norman Smith Medicare Insurance Agent

Gary Church · Answer

Not fully understanding their choices. It's very important that if someone is looking into Medicare, they know all the pros and cons. How is their health is now and in the future?
The question should be based on whether one controls one's own healthcare or the insurance company controls one's care. Budget is also important.

Tony Capraro III · Answer

In my experience working with Seniors and helping them with the Medicare "alphabet soup" what I often see is that they have not looked into either a Medicare Advantage or Medicare Supplement/Medigap Plan to offset the OUT OF POCKET expenses they WILL have with just enrolling in Medicare Part A and B ! There are Deductibles for Both Part A and B and Part B will ONLY cover 80% of the costs and YOU will be responsible for the other 20% with NO Maximum out of pocket! WOW! Work with someone who can show you both Medicare Advantage and Medicare Supplement/Medigap options then make the best decision for YOU!

Answered by Tony Capraro III on March 27, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Brian Moore · Answer

The biggest mistake seniors make when enrolling in Medicare is delaying enrollment or missing their initial enrollment period. This can lead to lifetime penalties on Part B premiums and can also impact access to free Part A coverage.

Answered by Michael Caldwell on May 20, 2025

Broker Licensed in IN, AL, AR & 31 other states

Answered by Michael Caldwell Medicare Insurance Agent

Melonie Wood · Answer

Not being educated on the many different plans/ benefits/ physician networks/ HMO vs PPO/ additional benefits/ co pays/ Medicare start ratings for Medicare Advantage/ not knowing you must have PArt D/ ...

Answered by Melonie Wood on March 27, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Tasha Riggs · Answer

Getting information from Friends and Family and not an expert in the field. 
Your friends and family understand what they have but they don't see the whole picture and how it works as a whole. Get advice from a true broker who has access to All or a majority of the plans. Not an agent who is selling only one or two products.

Clarence &quot;Mark&quot; Christiansen · Answer

The biggest mistake seniors make when enrolling in Medicare is delaying enrollment or missing their initial enrollment period. This can lead to lifetime penalties on Part B premiums and can also impact access to free Part A coverage.

Answered by Michael Caldwell on May 20, 2025

Broker Licensed in IN, AL, AR & 31 other states

Michael Denniston · Answer

Seniors entering Medicare have many options that can save money immediately and going forward. You should know all the ins and outs during your IEP (initial enrollment period) work with an expert to guide and educate you, that's your best bet.

Answered by Michael Denniston on June 1, 2025

Agent Licensed in FL, AL, AR & 11 other states

Answered by Michael Denniston Medicare Insurance Agent

Ben Washington · Answer

The biggest mistake seniors make when enrolling in Medicare is not talking to an agent who can make sense of the confusing info that is available. Making sure you know exactly what you need and how to get it at the lowest cost is very important!

Answered by Jill Austin on March 25, 2025

Broker Licensed in NC & SC

Answered by Jill Austin Medicare Insurance Agent

Joseph Bachmeier · Answer

The biggest mistake I find is that they choose the same policy their friend purchased. What is good for someone else may not be good for you. This goes with Part D drug plans also. I’ve seen a lot of people cost themselves a lot of extra out of pocket expenses because they didn’t sit down with a broker. Brokers should have your best interest at heart. Personally, I don’t represent the insurance carriers, I represent you. If I represent you then you’ll more than likely stay a loyal client and will tell all your friends about me. You don’t pay me for my services, the carriers do, so take advantage of my assistance.

Answered by Joseph Bachmeier on March 26, 2025

Agent Licensed in PA, AZ, DE & 5 other states

Answered by Joseph Bachmeier Medicare Insurance Agent

Christy Jones · Answer

There are many mistakes that can be made, but I think the biggest mistake that I see people make is not enrolling a couple months ahead of when they need coverage. Sometimes, it can take 60+ days to get your Part B in place.

Answered by Christy Jones on May 31, 2025

Broker Licensed in ID, AL, AR & 20 other states

Answered by Christy Jones Medicare Insurance Agent

David Bell · Answer

Thinking they don't need part D (drug plan) because they don't take anything. There will be penalties when you eventually sign up. Fortunately, there are plans that cost $0 in most areas. They are basic plans, but do fill the need. 

The other is enrolling in Part B when you still have employer health benefits. You only need one or the other never both.

Steven Whetstine · Answer

There are several major mistakes that Seniors or Medicare beneficiaries make when enrolling in Medicare, but the biggest mistake is missing the initial enrollment period or guaranteed issue period when it first becomes available.  If you have health concerns and miss your enrollment period, you could be subject to health underwriting if you miss the initial enrollment period or guaranteed issue period.

Some Medicare beneficiaries assume that Medicare is free.  Most Medicare beneficiaries do not have to pay Part A (Hospital) if they or a spouse or former spouse worked at least 10 years or 40 quarters and paid Medicare taxes.  Most people have to pay a premium for Part B (Medical).

Another mistake Medicare beneficiaries is not taking the time to understand their options.  If an option is not affordable, it is important to look at what makes sense to according to finances and looking at ways to receive "Extra Help" to address the financial concerns.

Even if you are healthy or do not take any prescriptions, it is important to make sure that you have coverage.  A person's health can change at any time.  If you miss an election period, then you can face lifetime penalties on both Part B (Medical) and Part D (Prescription Drug Coverage).  Also, you may have to wait until those timeframes become available.  

It is a good idea to get Medicare through a licensed agent you can trust.  They can be an advocate for you in the event you experiences any challenges with Medicare or with your plan to include claim issues.  If you enroll directly with the plan itself, you may not have that free benefit that is available to you.

Brian Krantz · Answer

The biggest mistake I see seniors make when enrolling in Medicare is listening to friends. Everyone’s situation is different — what worked for your neighbor or coworker might not be right for you. Medicare isn’t one-size-fits-all, and making decisions without personalized guidance can lead to unexpected costs or gaps in coverage.

Answered by Justin Scheiner on March 27, 2025

Agent Licensed in FL, CT, GA, NJ, NY & SC

Answered by Justin Scheiner Medicare Insurance Agent

Richard Moreno · Answer

The biggest mistake that seniors make is enrolling in a plan that is not explained to them and also not understanding how Medicare works and options they may have to better suit their needs.

James Carlson · Answer

They answer a outside call and get caught by an agent selling plans that will not work in the state of residence.

Jennifer McDonnell · Answer

Many seniors do not get proper advice from a trusted advisor and end up on insurance that is not a good fit for their need. Also, most seniors are not experts at understanding medicare yeare after year, thus again, the beneift of having a trusted advisor. Most seniors do not know aobut the 'Trial Right' when it comes to Medicare Advantage and thus use up their once in a lifetime benefit when they first become Medicare Eligible. Talk with a trusted Advisor to learn all the 'fine details' of making a proper Medicare decision.

Answered by Jennifer McDonnell on May 26, 2025

Broker Licensed in MI, AZ, CA & 10 other states

Answered by Jennifer McDonnell Medicare Insurance Agent

Amy Putrino · Answer

Not considering all of the options available. Many seniors call a carrier directly, not realizing that a carrier can only speak about their own plans. No comparisons can be made with other carriers plans available in the area. So, they will make you "fit" into one of their plans. Working with an independent agent, who represents multiple carriers, can answer all of your questions regarding multiple carriers and plans.

Answered by Amy Putrino on March 26, 2025

Agent Licensed in RI, CT, FL & 11 other states

Answered by Amy Putrino Medicare Insurance Agent

Michael Andrews · Answer

The biggest mistake I've seen is a beneficiary applying for part B retiring after 65 without submitting the correct forms that will prevent late enrollment penalties. It is important to begin the application process with social security 3 months prior to needing your part B to start.

Answered by Michael Andrews on March 26, 2025

Broker Licensed in CT

Answered by Michael Andrews Medicare Insurance Agent

Michael Caldwell · Answer

The biggest mistake seniors make when enrolling in Medicare is not enrolling at the right time and not looking at all of their options.

Answered by Jennifer Tanner on March 25, 2025

Agent Licensed in UT, AZ, ID & WY

Answered by Jennifer Tanner Medicare Insurance Agent

Jonathan Potter · Answer

The biggest mistake you can make is not being educated on your options. In most areas you have dozens of supplement companies and possibly up to 10 Medicare advantage companies. Evaluating those companies with the medicare and you handbook or going online is cumbersome because of all the options you have. A good agent will be able to narrow the options down to just a couple and make the decision much easier.

Answered by Jonathan Potter on June 9, 2025

Broker Licensed in UT, AZ, CA & 14 other states

Answered by Jonathan Potter Medicare Insurance Agent

Jay Larshus · Answer

The biggest mistake seniors make is not knowing all of their options that go with Medicare.   Understanding the differences in Part A, Part B, and the additional Part C and Part D.

Bill Green · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming all plans work the same or that they’ll be automatically covered the way they expect. Many choose a plan based on a friend’s recommendation or a TV ad without checking if their doctors, prescriptions, or hospitals are actually in-network. Others miss key enrollment deadlines, which can lead to lifelong penalties or gaps in coverage. Some don’t realize that Medicare doesn’t cover long-term care or dental, vision, and hearing without additional coverage. It’s a complex system, and one-size-fits-all doesn’t work. That’s why working with a local, experienced agent who understands your specific needs can save you time, money, and a lot of headaches.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent

Christopher Palazzini · Answer

Not getting a supplement during golden enrollment as long as affordability is there. There are no health questions and medical underwriting.

Holt Rushing · Answer

Not making sure they are on the plan that's best suited for their needs. They need someone that can compare different avenues of Medicare and help them make the right choice. They also miss enrollment dates by not signing up soon enough.

Answered by Holt Rushing on June 18, 2025

Broker Licensed in MS, AK, AL & 29 other states

Answered by Holt Rushing Medicare Insurance Agent

Edward Givens · Answer

Medicare plans can change yearly. Not reviewing coverage during the Annual Enrollment Period (Oct 15–Dec 7) can mean staying in a plan that no longer fits your needs or budget. Some people who continue to work past 65 assume their employer coverage is sufficient and delay Medicare enrollment, not realizing this could lead to penalties or coordination of benefits issues.

Answered by Edward Givens on March 25, 2025

Broker Licensed in AZ, CA, CO & 13 other states

Answered by Edward Givens Medicare Insurance Agent

Colleen Williams · Answer

The biggest mistake that seniors make is enrolling in a plan that is not explained to them and also not understanding how Medicare works and options they may have to better suit their needs.

Answered by Richard Moreno on June 3, 2025

Broker Licensed in TX, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

Jason Hark, CMIS™ · Answer

The biggest mistake seniors make when enrolling in Medicare is relying on advice from neighbors, friends, or family who think they understand the program’s details. Medicare’s ins and outs are complex, and misinformation can lead to costly errors. Seeking professional consultation is always the smartest move to get it right.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

David Wynne · Answer

Enrolling in Medicare for the first time can be a daunting task. For seniors, taking the time to fully understand what options are available should be a priority ahead of your Initial Enrollment period. Working with a licensed professional that is local, is a great way to solid guidance. At Living Well Benefit Advisors, our goal is to educate the client and let them decide what plan will work best for their personal needs.

Answered by David Wynne on March 25, 2025

Broker Licensed in SC, NC & PA

Answered by David Wynne Medicare Insurance Agent

Mary Turner · Answer

One of the biggest mistakes that people make when obtaining Medicare is listening to friend's or neighbor's advice regarding the plan they should choose. Each person is an individual with different needs and the plan that is chosen should reflect that whether it's a Medicare supplement or Medicare advantage plan.

Answered by Mary Turner on March 25, 2025

Broker Licensed in FL

Answered by Mary Turner Medicare Insurance Agent

Esther Miller · Answer

Nor asking enough questions! Never assume what works for a friend or neighbor will work for you. While you may get a good idea if your friends are satisfied with their healthcare plan, by working with an agent, you'll be able to compare all your options and find the plan that is best suited to your needs and budget.

Answered by Esther Miller on June 16, 2025

Agent Licensed in WA

Answered by Esther Miller Medicare Insurance Agent

Don Hudson · Answer

Many seniors do not understand the puzzle, it's very difficult to navigate if you do not understand how all the parts of Medicare differ. Many people don't realize in the beginning Medicare is an individual plan not a group plan.

Answered by Don Hudson on April 1, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Hope Suhr · Answer

Well, first we have to look at your Social Security—just to make sure you’re at the right time to start your Medicare.
We want to find out what your full retirement age is. We want to find out what your health history is, and what your partner’s health history is.
There are a lot of loaded questions here, and it’s very individualized based on your finances. Whether you’re divorced or remarried, there’s a whole lot to consider, so it’s really hard to narrow this question down.
It is case-by-case, and there’s very little generic information that applies.
This is where it’s a good idea to sit down with me, to go over many questions that will help guide us to the right decision, whether we move forward in putting you into a Medicare plan, or we tell you to hold off.
I had a phone call this morning from a client who said her husband is seven years younger than her, and she’s going to be 65 in six months. His company will pay for her insurance until he retires.
So if he’s seven years younger, he’s got more years to work before he retires. But the insurance she’d be paying for is a lot of money.
We did the calculations, and we figured it’s probably a good idea for her to go ahead and take her Medicare.
She’s also not healthy, she’s very stressed, and she doesn’t know if it’s worth it for her to stay working, so we came up with a plan.
I also asked many questions, and that’s how we were able to come up with that solution.
If you are under 65, you can get on disability if deemed by a medical professional and by Social Security. It starts as permanent coverage after your 24th month.

Karen Boudreaux · Answer

The biggest mistake is not having an agent to help guide them, and take care of them.

Not knowing or completely understanding their options.

Pamela Camey · Answer

The Biggest mistake Seniors can make when enrolling into Medicare is not understanding how the plans, they selected work and affordability of that plan not in immediate but also in the future.  
Questions to ask yourself: 
1) Medicare Supplements: It's human nature to gravitate towards the lowest cost premium, but can that company handle the medical loss Ratios down the road? Does it have that history to do so?  Can I pay for much higher premiums as I become older? You have to be your own financial steward with healthcare because it will be the most expensive financial expense during retirement.

2) When selecting a Medicare Prescription drug plan- many are influenced by premium cost and not looking at the details of the plan drug formulary or when will you be charges the Medicare Prescription drug deductible.  

3) Medicare Advantage Plans- Continuity of Care: Are my doctors in that plans network? Am I willing to switch plans if they are not?   Are my medications on this plan's formulary?

Kathryn Zekas · Answer

Trying to do it on their own and not knowing what they need to do to avoid penalties or late enrollment fees. Also, sometimes people set up their Part A & B, and they may not need to pay for Part B yet if they are still working and covered by a plan that is considered "creditable coverage."

Answered by Kathryn Zekas on May 7, 2025

Broker Licensed in FL

Answered by Kathryn Zekas Medicare Insurance Agent

Sean Willingham · Answer

The 3 most common mistakes I encounter with Medicare are:
Mistake # 1: Improper Enrollment (Messing up your Initial, Special, or General Enrollment can result in unnecessary penalties for the rest of your life.  Don't do it!)
Mistake # 2: Bad Plan Selection (You need to understand the difference between Original Medicare and Medicare Advantage then comparison shop multiple plans available to you in your area.)
Mistake # 3: Not Doing Periodic Reviews (Plans change annually and your circumstances change constantly.  It is important to review your coverage regularly to ensure that you are on the correct plan.)

Samantha Jellison · Answer

Usually, the biggest mistake I see seniors make when enrolling into Medicare is not working with a professional, such as an agent or broker. With the vast amount of choices out there, seniors should be getting a full education about their options before making any decisions. 
An agent/broker is someone who can lay your options out for you, explain the differences and answer your questions… for as long as you remain their client AND at no cost to you. 
When enrolling with a call center, unfortunately, there are no guarantees you will be speaking to the same person each time. If you are only speaking with one carrier, you are only learning about that carrier’s product.

Phillip Lovelady · Answer

One of the most common mistakes people make when aging into Medicare is not understanding their enrollment periods and deadlines. Many assume they’re automatically enrolled when they turn 65, but that’s only true if they’re already receiving Social Security benefits. If not, they need to actively sign up during their Initial Enrollment Period (IEP), which spans the three months before, the month of, and the three months after their 65th birthday. Missing this window can lead to late enrollment penalties—such as a permanent increase in Part B premiums—or gaps in coverage.

Answered by Phillip Lovelady on March 25, 2025

Agent Licensed in TX

Answered by Phillip Lovelady Medicare Insurance Agent

Justin Sonon · Answer

Choosing a Medicare prescription plan or Advantage plan based solely on the plan premium can be a costly mistake.

Charles Boone · Answer

1. Not working with a well connected Medicare broker.  
2. Not taking the time to get educated on Medicare as a whole.
3. Continuing to contribute to an HSA within the 6 month period prior to starting Part A (which can be retroactive)
4. Not learning about the 6 month guaranteed issue period regarding Medicare Supplements. 
5. Thinking that once their enrolled they don't need to continue to review their plan each year. (Medicare plans change each year in either price, benefits, formularies or network)

Jon Kelderman · Answer

Enrolling without an agent or with a telemarketer. I see it all the time but it's nice when I find them because once they figure out, I will meet with them face to face and don't charge for my services, they will usually let me help in the future.

Answered by Jon Kelderman on March 25, 2025

Broker Licensed in IA, AZ & TX

Answered by Jon Kelderman Medicare Insurance Agent

Danny Radisewitz · Answer

The people who get frustrated the most are the ones that listen to too many friends and family and get overwhelmed with the direction they should go. We ask questions and listen...and support your decision to follow a path that you comfortable with.

Answered by Danny Radisewitz on March 25, 2025

Broker Licensed in SD, IA, MN & ND

Answered by Danny Radisewitz Medicare Insurance Agent

Laura Shipman · Answer

I think the biggest mistake seniors make when enrolling in Medicare is to not have an agent who knows and understands the plans in their area that the senior resides. The other mistake is for a senior to not have an agent who they can work with and will guide them through the process.

Answered by Laura Shipman on May 12, 2025

Agent Licensed in KS

Answered by Laura Shipman Medicare Insurance Agent

Justin Scheiner · Answer

The biggest mistake I see seniors make when enrolling in Medicare is listening to friends. Everyone’s situation is different — what worked for your neighbor or coworker might not be right for you. Medicare isn’t one-size-fits-all, and making decisions without personalized guidance can lead to unexpected costs or gaps in coverage.

Answered by Justin Scheiner on March 27, 2025

Agent Licensed in FL, CT, GA, NJ, NY & SC

Frank Souk · Answer

The mistake that we see most often is not being fully aware of all the options that are available to them. There are many options available to folks enrolling in Medicare, and it is important to discuss and assess there options so that there needs are addressed, and that their coverage compliments their lifestyle.

Answered by Frank Souk on March 25, 2025

Agent Licensed in WI, AL, AR & 40 other states

Answered by Frank Souk Medicare Insurance Agent

Jason Rubin · Answer

Not knowing about the fee for Medicare Part B or the potential of paying for IRMAA. I feel the public is not informed about this topic, and it becomes a big surprise when they receive the statement in the mail.

Answered by Jason Rubin on March 25, 2025

Broker Licensed in CA, AK, AL & 33 other states

Answered by Jason Rubin Medicare Insurance Agent

Daniel Weeks · Answer

Simply choosing a plan based on their spouse or friend or what they used for work. Give yourself an opportunity to be educated on the options and what works best specifically for your situation.

Ruben Trejo · Answer

One of the biggest mistakes when enrolling in Medicare is when a Medicare recipient assumes they’ll be automatically enrolled in Medicare when they turn 65, but that’s not always the case. If they don’t sign up during their 7 month Initial Enrollment Period (IEP), which starts three months before their 65th birthday and ends three months after, they could face permanent late enrollment penalties and delays in coverage.

Answered by Ruben Trejo on March 4, 2025

Broker Licensed in TX, AL, AR & 27 other states

Answered by Ruben Trejo Medicare Insurance Agent

Rose Cahill · Answer

Not taking time to fully understand the Medicare Advantage plan they enrolled in. These plans have many preventive services covered at no charge. Additionally, they offer many ancillary services like dental, vision, hearing, gym memberships and OTC credits which go unused.

Answered by Rose Cahill on July 1, 2025

Agent Licensed in MA

Answered by Rose Cahill Medicare Insurance Agent

Kent Pike · Answer

The Biggest Mistake Seniors make is not sitting down with a qualified agent and explaining all their options. I bring 14 years of experience and over 2,000 current customers, I explain Medicare Supplements and Medicare Advantage plans. The pros the cons the insides the outs. The Food Card Commercials all the little things that just make you pull your hair out. When my clients leave, they are educated and are ready to enjoy retirement and not worry about HealthCare.

Answered by Kent Pike on March 25, 2025

Agent Licensed in NC, CA, FL & 6 other states

Answered by Kent Pike Medicare Insurance Agent

Ronnie Rosenberg · Answer

The biggest mistake that seniors make when enrolling in Medicare, is not using an agent.  I've seen seniors who go to a website, or call a phone number to enroll, thinking they're being independent.  What they come to find out is that if a problem occurs, they either need to figure it out themselves, or call a phone number where they reach someone in a call center who's not invested in their outcome.  An agent on your side will make all the difference...  You'll have one person to call who will be committed to helping you through any difficulties.  I have personally spent hours on three-way calls to help a client resolve a situation.
AND using an agent costs you nothing.  The agent is compensated by the company.

Alyssa Burgos · Answer

They don't talk to an agent wil a wealth of knowledge. Being able to see all plans that fit your needs and not calling from an AD on TV.

Jim Herro · Answer

Trying to educate themselves without the assistance of a local Medicare Advisor.  Too important of a decision to go it alone.

France Stephanos · Answer

Not getting the proper information about Medicare to know when to sign for it and what are the benefits of Medicare only.

Teresa Cole · Answer

Not getting all the facts about the plan.  Make sure your agent goes into details about co-pays, network, difference between HMO and PPO, extra benefits and more.

Corey Romero · Answer

The biggest mistake I see seniors make when enrolling in Medicare? Pretty simple. They listen to commercials with retired athletes or actors instead of getting real advice from someone they actually trust.

They pick a plan because it says “$0 premium” or “extra benefits,” but don’t realize what they’re giving up until it’s too late like higher out-of-pocket costs, network restrictions, or a drug plan that doesn’t even cover their meds.

Medicare isn’t hard when you’ve got someone who sees you as a person, not a policy number or commission check. It feels like a pain because it’s designed that way so you’ll make a fast decision and never look back.

The key? Honest, no-pressure guidance from someone who knows the system and gives a damn. Not the people on TV reading a script about a “great” Medicare plan he probably doesn’t even use because, let’s be real, they’re either not on Medicare or have a low-cost group plan.

Start with a conversation, not a commercial.

Mel Brickman · Answer

Oftentimes I find that new Medicare enrollees do not have an understanding of how Medicare works to offer health benefits. Before one can make a choice of Medicare options, one must know the differences. Using an informed and trusted professional agent is the best approach to making the best decisions for oneself.

Answered by Mel Brickman on March 25, 2025

Agent Licensed in CT

Answered by Mel Brickman Medicare Insurance Agent

Joseph DeBlasio · Answer

Not properly understanding the enrollment periods and when you can and cannot sign up for original Medicare. This can lead to many issues, some of which include having a gap in health insurance coverage and having to pay late enrollment penalties.

Answered by Joseph DeBlasio on March 20, 2025

Broker Licensed in NJ & NY

Answered by Joseph DeBlasio Medicare Insurance Agent

Judi Field · Answer

The mistake many Medicare beneficiaries make regarding enrolling into Medicare is to begin Medicare Part B too early. Many people do not realize that they do not need Medicare Part B to begin if receiving health insurance through a large employer. A large employer is classified as 20 or more employees (100+ employees if qualifying for Medicare due to disability). If one likes one's insurance through the employer, the plan is affordable and coverage out-of-pocket affordable, then deferring Part B is penalty-free. When the time comes to retire, reduce work hours or lose one's insurance from the employer, then one can enroll into Part B and the coordinating insurance plans. All one's guaranteed rights to choose a Medicare supplement, Advantage Plan and/or Part D plan remain intact.

Answered by Judi Field on March 25, 2025

Agent Licensed in PA, AL, AR & 39 other states

Answered by Judi Field Medicare Insurance Agent

Anthony Lucero · Answer

Failure to compare the costs with Medicare to their employer health coverage. Sometimes it makes sense to stay on employer coverage and other times it doesn't.

Bruce Heavener · Answer

If you're still working at 65, and your employer has less than 20 employees, you must sign up for Medicare at 65 even if you're on the employer's group health plan. Medicare must be primary coverage for age 65 or older individuals, or employees of any company having less than 20 employees. When you do eventually sign up late for Medicare, you may pay premium penalties every month for as long as you have Medicare.

Answered by Bruce Heavener on May 21, 2025

Broker Licensed in PA & NJ

Answered by Bruce Heavener Medicare Insurance Agent

Jill Austin · Answer

The biggest mistake seniors make when enrolling in Medicare is not enrolling at the right time and not looking at all of their options.

Answered by Jennifer Tanner on March 25, 2025

Agent Licensed in UT, AZ, ID & WY

Sharon Lewis · Answer

Not realizing there is paperwork to fill out if you continue working past age 65 and then go on Medicare once you retire. No paperwork = a penalty the rest of your life!!

Jennifer Tanner · Answer

The biggest mistake seniors make when enrolling in Medicare is not enrolling at the right time and not looking at all of their options.

Dave Stevens · Answer

Most commonly I see seniors enroll in Medicare and then have no idea what to do next! That s where I come in! Education, education!!! Help them understand how to wrap it all up!!

Steven Bleicher · Answer

Thinking that their drug costs before Medicare will resemble those same costs when joining Medicare. It is imperative to realize that Medicare drugs are priced much differently than those you enjoyed as part of an employer's healthcare plan. Brand Name drugs will be a greater challenge especially any drug in Tiers 3, 4 and 5.

Answered by Steven Bleicher on March 27, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Diana Garner · Answer

The biggest mistakes Medicare beneficiaries make when enrolling are: 
     1) Misunderstanding how Medicare works
     2) Choosing to do it on their own and failing to review all their plan options 
     3) Enrolling in the wrong plan
     4) Failing to enroll on time to avoid penalties

Steve Houchens · Answer

Not making informed choices and many times listening to someone that doesn't actually know what they are talking about and giving bad advice. It’s important to understand all your options and choices

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

In my experience, the biggest mistake seniors make with Medicare is listening to their friends and choosing a plan based on what works well for someone who isn't in their shoes.  Don't get me wrong - people who are already in the Medicare system can provide great insight into the things they like and dislike about their plans and experiences with Medicare, but they are not you.  Only you know what is important to you.  You know what your medical needs have been and what they are most likely to be in the future.  You know how you feel about "managed care", prior authorizations and networks and only you know your budget.  

Even if you listen to your friends and choose Medicare Advantage over Original Medicare, only you know what doctors you want to see and what medications you need to have covered on the formulary.  And if your life experience is different and you already have a chronic condition, only you can decide if you would sleep better at night with Original Medicare and a Supplement plan than you would with Medicare Advantage.

When you choose your first Medicare plan, it could be the last health insurance plan that you choose for the rest of your life.  This decision is too important to make on a whim or because a plan worked great for your pickle ball buddies.  Give it the time and consideration that it deserves.

Michael Pyers · Answer

They miss their initial enrollment period.  However, if they have creditable coverage from an employer that has over 20 employees, they may delay their enrollment.

Gregg Matheny · Answer

Not exploring their options enough And enrolling into the lowest premium plan is a mistake that seniors often make when enrolling into Medicare. It’s never a bad idea to educate yourself on your options. Sometimes it’s easy to take the “ Out of sight out of mind” Approach, but that usually ends in a penalty from Medicare.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Steven Lovell · Answer

The biggest mistake seniors make when enrolling in Medicare is not understanding their Medicare options. What difference between original Medicare and Medicare Advantage plans. Also enrolling into Medicare Part B (paying a premium for part B) when they still have coverage through their company or through their spouse.

Answered by Ben Washington on March 25, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Yasmery Vargas · Answer

The biggest mistake seniors make is not educating themselves on Medicare prior to enrolling in Medicare. Not everything out there is as good as its painted out to be.

Leslie Helene Sussman · Answer

Comparing plan choices, Doctor/Hospital Network, Urgent Care network, Pharmacy /Prescription network.      

Find out about local resources available, State and Federal (Medicaid).

Contact a local Medicare Broker to find answers to your questions.

John L Herman Jr · Answer

Not getting Professional help when it is so readily available FOR FREE. Trying to know what is right for you after a few hours of research is like tying to fly around the world without a map.

Please speak with a Licensed Broker in your area...who is Independent..not someone who is working for a specific Insurance Carrier who will only show you that Carrier's options.

DeeDee Whitlock · Answer

not talking to a specialist about ALL the options available to them, talking to people over the phone who you will not be able to find when you have a problem

Michael Yost · Answer

People don’t work with a broker to review all options someone has. Medicare is too confusing, too many plans to choose from, and plans and laws always seem to change. I think it’s too overwhelming for someone to go through the process on their own. There are features of plans that you can only sign up for once in your life and there are also penalties to avoid.

Answered by Michael Yost on July 19, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Diana Salisbury · Answer

Not meeting with an insurance agent or broker.  Getting your options prior to enrollment is critical to not making future mistakes.

Joseph Peck · Answer

Going with the plan their "friend or relative" has. Medicare is different for each person. I make sure my client is on the coverage that it best for them.

Chad Watkins · Answer

The biggest mistake people make when enrolling in Medicare is doing so when they still have employer coverage. Most people get Medicare part A for free but part B has a premium. You do not need to get your part B in place if you have employer coverage, thus you can save that premium and never pay a late enrollment penalty as long as the employer coverage is considered creditable, i. e. it would pay the same as Medicare would.

Walt Smith · Answer

The biggest mistake that seniors make enrolling in Medicare is not knowing all the options that are available and not getting advice from an experienced broker.

Shelly Hefley · Answer

Not understanding the options and how their choices will affect their healthcare for the rest of their lives.  By passing up the opportunities to enroll during guaranteed enrollment periods, they could cost themselves significantly financially over the years.

Rick Boyd · Answer

Deciding that part A and B are all they need and do not need to enroll into a part D medication plan. This exposes the senior to 20% of the costs that Original Medicare does not pay. The second biggest mistake is for the senior to only consider cost of coverage. What may look attractive when only considering initial/monthly cost, could prove to be physically or financially disastrous. As brokers we help prospective clients make informed choices.

Tammy Stoner · Answer

Choosing the wrong plan at the time of open enrollment can cause financial distress. It is important to find a qualified agent to assist with all the details of Medicare and available plans. While getting information from family or friends can be helpful, not every plan is the right fit for every person.

Sean Davis · Answer

The biggest mistake seniors often make when enrolling in Medicare is not understanding their enrollment timelines, which can lead to delayed coverage or costly late enrollment penalties. Many may assume that they can sign up at any time, but each part of Medicare has specific enrollment periods that must be followed. Additionally, failing to evaluate their healthcare needs and comparing plans can result in selecting coverage that doesn't suit their needs, leading to unexpected out-of-pocket costs. It's crucial to thoroughly research and plan ahead to avoid these pitfalls.

Michael Crocker · Answer

Not utilizing a trained, licensed, and certified local professional to explain their options and make sure that whichever plan they choose covers their drugs and doctors. A mistake in one of these areas can cost a senior thousands in unnecessary bills. Since plans vary so much by location, only a local agent familiar with local plans and networks can properly advise seniors in their unique circumstances.

Julie Joyce · Answer

Trying to navigate this alone. Always reach out to a broker to go over all of your options.  You could be overpaying or the opposite not having the right coverage for your needs.

Tammie Rutledge · Answer

Trying to figure Medicare out on your own.  If you don't understand it properly, you could accrue penalties for not taking Part A, B and D in time.

George Kolitsas · Answer

Becoming a Medicare professional over night and taking on the complex system of Medicare on there own. Also, waiting until the last minute to sign up. Please start planning ahead of time and use a local broker to guide you in the right direction.

Helena Foutz, RSSA · Answer

#1, not knowing when to enroll or not enroll into Medicare Part B, then 
#2, not knowing their options when they choose a plan.

Christopher Garcia · Answer

I believe that the biggest mistake seniors make when enrolling in Medicare is not taking the time to gather important information and understand their options fully. The other mistake I see often is choosing a health insurance plan without fully understanding their options. The decision to go with the Medicare supplement versus a Medicare advantage plan is one of the most important decisions you’ll have to make. Fully understanding that decision is extraordinary important. Speaking with an experienced professional who can ensure that you fully understand your right and options is highly recommended.

Christopher Orr · Answer

Working with unseasoned telesales agent or trying to decide theirselves without local seasoned broker

Glenn Quinn · Answer

The biggest mistake seniors make when enrolling in Medicare is relying on advice from neighbors, friends, or family who think they understand the program’s details. Medicare’s ins and outs are complex, and misinformation can lead to costly errors. Seeking professional consultation is always the smartest move to get it right.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Jeremy Henry · Answer

Probably not understanding the differences between Medicare Advantage plans and Medicare Supplement plans. Folks will confuse the features and benefits of these plans and then with their  flawed understanding possibly sign up for a plan that was not best for them.

Another big mistake I see is signing up late and having to pay a penalty.

Bill Zeky · Answer

I believe the biggest mistake seniors make when enrolling in Medicare is going directly to a carrier and not choosing to deal with an independent agent such as myself. Going directly to the carrier doesn't allow them to compare coverages and pricing.

David Koller · Answer

Not speaking with a local experienced agent with good reviews.  Other seniors will tell you thru reviews if the agent is good or not.  Find a no-pressure, knowledgeable agent and it will be a good experience and you will have someone to speak with year in and year out with concerns and questions.

Peter Yeh · Answer

One of the bigger Medicare mistakes is ignoring the Annual Enrollment Period. Many things change in health insurance each year. The list and number of available plans often change and  plan benefits, provider network and drug formularies may change too.

Jeffrey Simpson · Answer

Not knowing their options or being reactive vs proactive regarding their options.
An example of this would be not understanding the difference between a Medicare Supplement vs a Medicare Advantage Plan.

Denise Berg · Answer

The biggest mistake that I see those newly eligible for Medicare is not comparing the benefits of Medicare Advantage plans with those of Medicare Supplement.  If you apply for a Medicare Supplement plan when you're first eligible, there's no underwriting and you are given an opportunity to leave it and try out a Medicare Advantage is the Medicare Supplement is not beneficial or not a good fit.

Peter Joseph · Answer

The biggest mistake seniors make when enrolling in Medicare is relying on advice from neighbors, friends, or family who think they understand the program’s details. Medicare’s ins and outs are complex, and misinformation can lead to costly errors. Seeking professional consultation is always the smartest move to get it right.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Ginger Gibbs · Answer

Not getting all of the information on options and requirements - such as being required to carry a PDP plan at minimum if they don't have something creditable

Amy Chamberlain · Answer

Not enrolling into Medicare during their inital enrollment period and first eligible for Part A.

Not getting a Part D plan when first eligible.

Vonda Peralez · Answer

Not using a local experienced broker. We test and certify yearly in Medicare regulations and changes. Don't call the 800 numbers on TV, call a broker in your community.

Tom New · Answer

Not signing up for Part B and PDP due to penalties that are very punishing.

Choosing a medicare Supplement or an Advantage plan help to secure your medical future expenses.

Erin Stott · Answer

The biggest mistake seniors make when enrolling in Medicare is not getting enough information before enrolling, specifically when it comes to penalties.

Anel Perez · Answer

I believe that would be not keeping in touch with their agent and vice versa. Seniors need a great communication with their agent so that the agent can voice their need and help them choose the right plan.

Ted Heckel · Answer

Not knowing how and when to sign up for Part B Medicare at the right time, being confused about options if still working.

Maureen Wark · Answer

Many seniors enroll in Medicare too late because they don't realize their current health insurance or COBRA is not creditable.  Then they have late enrollment penalties.

The biggest mistake seniors make when enrolling in a Medicare plan is not working with an independent insurance agent to review their specific needs and to see what options are available.

Sandra Nolan · Answer

I think the most common problem with seniors and Medicare is not knowing the types of plans that are available to them and not understanding their differences.  Working directly with an agent can prevent frustration and confusion in the enrollment process.

Fred Manas · Answer

The biggest mistake seniors make when enrolling in Medicare is failing to understand the differences between Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans, and choosing the wrong one based on their individual needs. Specifically, they may incorrectly assume lower premiums in Advantage plans are a guarantee of lower overall costs, neglecting factors like network restrictions and copays. 
Elaboration:
Missing Initial Enrollment Period:
Failing to enroll during the seven-month window around your 65th birthday can lead to penalties and gaps in coverage. 
Ignoring Annual Notices of Change:
Medicare Advantage and Part D plans can change yearly, and failing to review your Annual Notice of Change (ANOC) may result in being stuck in an unsuitable plan. 
Not Understanding the Difference Between Medicare Supplement and Advantage Plans:
Medicare Supplement (Medigap) plans offer broader coverage but higher premiums, while Medicare Advantage plans offer lower premiums but with network restrictions and other limitations. 
Not Applying for Extra Help:
Many seniors are eligible for assistance programs to help with premiums and out-of-pocket costs, but they don't always apply. 
Not Re-evaluating Coverage Annually:
Health needs change, and what's covered in your current plan may not be covered in the following year, so it's crucial to review your coverage annually. 
Not Considering Your Health Needs:
Choosing a plan based solely on cost without considering your health needs, medication formulary, or network access can lead to problems later on. 
Not Seeking Advice from a Local Medicare Insurance Professional:
Medicare has local options, and a qualified professional can help you navigate the complexities and choose the right plan for your specific needs.

Vachik Chakhbazian · Answer

one of them is the missing the initial enrollment period.  2nd is listening to some one other than their agent.   each policy is tailored to specific needs.

Carol Thompson · Answer

The Biggest mistake is to not get assistance or guidance from an agent. 

An agent can educate and assist you on the different options by preparing a NEADS analysis. 

Going on original Medicare can lead to financial burdens.

Toni Chavez · Answer

Thanks for your question.   

Not knowing all your options available in your local market.  You may be leaving valued added items you're not even aware are available and that equals leaving money on the table.  

Medicare is complex and too many plan options to try to compare on your own. 

When you are calling an 800# for one carrier they are only going to be able to discuss the plans they offer.

Most Medicare Eligible individuals are unaware there is no-cost local help with a licensed Medicare Broker.   We know our market and can recommend plans based on what your needs are.  

I encourage you if you don't have a broker you are working with to find one before the next annual enrollment starts October 15th.   

I hope this answers your question!

Be Well,
Toni Chavez
Medicare Broker

Rodolfo Rojas · Answer

Biggest mistake? That is a broad question. It depends on the individual, I would say not talking to a broker who does deep dive into your needs.  It depends on your health, some people would benefit from getting some of the money that the government takes for your part B, others benefit in focusing on certain health coverage.

Mary Salmon · Answer

The biggest mistake seniors make when enrolling in Medicare is not talking to an agent who can make sense of the confusing info that is available. Making sure you know exactly what you need and how to get it at the lowest cost is very important!

Answered by Jill Austin on March 25, 2025

Broker Licensed in NC & SC

William Scott · Answer

Getting only Medicare Part A or only Part B when enrolling. When you become eligible, Seniors should consider enrolling both at the same time.

David Christian · Answer

Looking at Medicare as if it were the commercial or Marketplace plan they are leaving.  Medicare is made so those who qualify are able to enroll into plans with very rich benefits for a much lower price and often time a higher level of service from the carriers.  You don't have to blow your budget for great coverage.

I would say the next closest mistake is thinking that the Medicare Advantage Plans are not on par or better than the Medicare Supplement Plans.  This is a truly individual, case by case situation that should be looked at depending on your travel plans, plan availability, doctor availablity and budget.  There is no right or wrong answer on what type plan to get.  Have your broker show you the benefits of both so you can make the best decision for YOU.

Mel Stevens · Answer

When it comes to applying and enrolling into Medicare, there are many mistakes that can be made.  Questions about when to enroll and what type of plan to enroll into is a big decision and often there isn't a lot of information available to make an informed decision.  One of the biggest mistakes I have found with Medicare is when and insured signs up for Part B, there is a 60 day window to sing up for Part D, (the prescription drug plan).  If a prescription drug plan isn't selected within a 60 day window, Medicare will penalize you for the rest of your life.

Michael Kim · Answer

They listen to their family members or neighbors instead of talking to an insurance broker. Insurance brokers like me don't charge for my services and I am contracted with most mayor carriers so why not talk to a Medicare Insurance Broker like myself?

Rick Balistreri · Answer

The biggest mistake seniors make when enrolling in Medicare is to do it yourself. When you enroll yourself, you are the agent of record, and we can not help you. If you use an agent that you trust to enroll you, they become the agent of record and can represent you if you have an issue with a carrier. They can also keep you informed about current Medicare issues and make sure you are enrolled in the plans that meet your personal needs and budget.

It is always to your advantage to have an advocate on your side to help you with Medicare enrollment. Know your agent. Don't just call an 800 number in the likelihood that you will never speak to the same person more than once.

Kevin Chaikin · Answer

There are plenty of mistakes seniors can make when enrolling in Medicare but the biggest would be not considering future medical needs. Just because you're healthy today doesn't mean you won't need more care in the future. Failing to look ahead and make a coverage decision that is in your best interest 10-20 years from now could lead to an inability to get the coverage you really want when you need it due to underwriting requirements.  Think long-term with all Medicare decisions.

Melanie Blackston · Answer

The biggest mistake seniors make when enrolling in Medicare is not talking to an agent who can make sense of the confusing info that is available. Making sure you know exactly what you need and how to get it at the lowest cost is very important!

Answered by Jill Austin on March 25, 2025

Broker Licensed in NC & SC

Edward Pevnick · Answer

Seniors typically do not understand that Traditional Medicare has built in deductibles and copays that can be excessive to a typical user. There are other ways to access the benefits of Medicare without the pitfalls.

Robert Vitale · Answer

The biggest mistake seniors make when enrolling in Medicare is missing the Initial Enrollment Period (IEP) or failing to understand the timing of their enrollment. This period, which starts three months before a person's 65th birthday and ends three months after, is crucial for avoiding late enrollment penalties. Missing the IEP can result in a 10% increase in the Part B premium for every 12-month period of non-enrollment.

Answered by Steven Lovell on June 1, 2025

Broker Licensed in GA, CA, FL & 7 other states

Answered by Steven Lovell Medicare Insurance Agent

Philip Santucci · Answer

Usually the biggest mistake is trying to do it themselves and not truly understanding what they are getting into. There is not cost to sit down with a broker who can help you and make sure all the angles are looked at.

Dan Green · Answer

In one word., education! In general, Medicare recipients are putting higher value in what friends, family and neighbors say instead of getting educated from true licensed professionals. Some of these decisions can impact the rest of a Medicare recipient's life. Getting a clear picture of the landscape of retirement is the best way to avoid " mistakes".

Alaina Hunt · Answer

One of the biggest mistakes seniors often make when enrolling in Medicare is not taking the time to fully understand their options and how those options fit their individual health needs and financial situation. Medicare can be complex, with Original Medicare, Medicare Advantage plans, Part D prescription coverage, and supplemental plans all offering different benefits and costs.

Gene Page · Answer

Missing critical enrollment deadlines can delay coverage and may end up creating lifetime late enrollment penalties. Be sure to know when you are eligible to enroll and be sure to use that window. If you are working and covered under other coverage, you may be able to delay enrollment without any penalties incurring. Know your options, especially if you have chronic conditions or wish to avoid future denials. There is a guaranteed issue window you will not want to miss.

Jennifer Dixon · Answer

One of the biggest mistakes is not connecting with someone that can help answer their questions.   Such as what coverage do I need are my doctors in network are all my medications covered.

Mike Sosso · Answer

The biggest mistake senoirs make when enrolling in Medicare is signing up a low or no cost up front Medicare Advantage plan without doing a thorough evaluation and comparison of Original Medicare with supplemental coverage and Medicare Advantage and the long term inpact on thier coverage.  That's because if you enroll in Medicare Advantage and later want to move back to Original Medicare, if you have existing health issues, or later develop health issues that affect underwriting, you may not be able to secure a Medigap policy to cover teh out of pocket expenses Medicare does not pay.  

The second biggest mistake is they don't enroll in either Part B or Part D drug coverage on time. As a result, when they do enroll they will receive a penalty for Part B premiums and / or Part D premiums for the rest of thier life.

Heith Huguet · Answer

Trying to navigate the maze of Medicare choices by themselves. It does not cost them anything to work with me. My time is free for them with no obligation to enroll.

Edward Cavelli · Answer

Chasing the “Shiny things” and not focusing on the coverage itself. Medicare is insurance meant to cover out of pocket costs, the rest are bonus items to make members lives more comfortable.

Angela Wainright · Answer

The biggest mistake seniors make when enrolling in Medicare is trying to do it alone.
There’s no need to navigate the process by yourself—working with a licensed Medicare agent costs you nothing.
Why not enlist the help of someone who specializes in Medicare every day?
It can save you time, reduce your stress, and help you avoid costly mistakes down the road.

Julia Alves · Answer

If I had to pick a mistake I see seniors make when it comes to Medicare, it’s this: not fully understanding their options or waiting too long to enroll.

I totally get it. Medicare can be confusing, and there’s a lot of noise out there. But making the wrong choice early on (or missing your enrollment window) can lead to costly penalties and limited coverage.

Some common oopsies I see:

1. Signing up too late and getting hit with lifetime penalties

2. Choosing a plan based only on the premium (without looking at coverage, networks, or drug costs)

3. Assuming Medicare covers everything (spoiler: it doesn’t... dental, vision, and prescriptions aren’t included in Original Medicare)

4. Skipping annual reviews!! Plans change every year!

5. Not working with a broker! (It's free.. why wouldn't you!)

Donna Slater · Answer

Not going through the process with a licensed agent. The process is a maze of unfamiliar nuances, which are difficult and frustrating to navigate without an agent by your side to enable you to make an informed decision.

Melody Manthey · Answer

The biggest mistake seniors make when enrolling in Medicare is basing plan decisions on the input of friends or family. Medicare is complex and plans and vary by location. Medicare is like a puzzle and each person’s unique puzzle pieces should be evaluated carefully to ensure they fit together in the appropriate plan.
Friends and family mean well when they offer advice. However, unless they have the same budget, doctors, medications, medical conditions, travel habits,  and other health needs, offering specific plan advice could potentially be harmful.
It is best to consult with an agent or broker to find coverage that will meet all of your individual needs.

Audrey Crosby · Answer

I’ve seen people totally base their plan decision on heresay. I appreciate when they have the patience so they can learn the facts.

Micheal Rohlmeier · Answer

Unfortunately, the biggest mistake I see seniors make is not dedicating enough time and effort to educating themselves on their options.  

It can be difficult to find the information at times but taking the time to educate yourself on the process and your options allows you to make a much better decision on how you get your coverage and therefore your experience.

Cathy Reeck · Answer

Most beneficiaries make 3 serious mistakes.
1. They wait till the last minute to enroll into parts A and B, which may cause delays in obtaining their medicare a and b and or late enrollment penalties.

2. They do not take enough time to educate themselves on medicare rules, deadlines, and  costs. It's almost as it they don't want to be bothered with the process.

3. Get advice from an independent broker that can provide unbiased information between medigap policies and medicare advantage polices. 

Beneficiaries need to find the right independent broker that can walk them through the process. Knowledge is Power!

Keith Brown · Answer

Getting advice from a neighbor or anyone not Licensed for Medicare plans.  Every person has unique health, income and healthcare needs.

Joshua McMullen · Answer

One of the biggest mistakes seniors make is relying on just "word of mouth" with friends and family of what to do and what is the best plan. I think sitting down and talking to a licensed agent that can give you all the information, benefits, differences with all of your options is the best route to making sure you are on the RIGHT plan for you.

Lynsy Meier · Answer

I believe the biggest mistake made when enrolling in Medicare is choosing the wrong health plan.  Many people don't realize how many options there are and choose a health plan based on what works best for someone they know.  When I assist someone with their plan decision, we look at their individualized "full picture" of needs and make a choice they can be confident in.

Tara Okhovatian · Answer

The biggest mistake seniors make is thinking they can just "wing it" or go to their buddies for answers on which plan to go with. You can't go with what works for someone else to determine what will work for you. People have different needs, even when they don't realize it. It's important to speak with a non- biased full-service agent like me who can take the time to really understand your healthcare needs and compare the various carrier options educate you on which one is most aligned to meet those needs and makes the most sense for your budget.

Mike McKeough · Answer

The biggest mistake that I see seniors make when enrolling in Medicare is getting information from and enrolling with an agent that just represents one single insurance company. There are so many choices in plans. Some work well for certain individuals but not well for others. Seniors are better off working with an agent that offers a wide variety of Medicare plans from many different carriers.

Monica Murray · Answer

In my opinion, I believe a seniors are doing themselves a disservice by not consulting with a trusted Medicare advisor. Medicare is complicated to navigate and is very much fluid, from plans, pricing, coverage and everything in between. Having someone that researches and is on top of Medicare nuances, could prove to be a tremendous benefit.