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

Question

Mark Boone · Accepted Answer

There are 5 key mistakes seniors make when enrolling in Medicare. 

1. Missing Deadlines (The Top Mistake): Failing to sign up during the 7-month window (3 months before, 65th birthday month, 3 months after) leads to a 10% premium penalty for Part B for every 12-month period delayed.
2. Assuming Automatic Enrollment: If you are not collecting Social Security at least 4 months before turning 65, you must proactively sign up, as enrollment is not automatic.
3. Misunderstanding Work Coverage: Assuming you must sign up at 65 while still working with credible employer coverage, or conversely, failing to sign up when employer coverage ends.
4. Confusing Medigap and Advantage: Failing to understand that Medicare Advantage is different from Original Medicare + Medigap, which can limit doctor choices.
5. Choosing Based Only on Premiums: Picking a plan with a $0 premium but high out-of-pocket costs, or neglecting to check if doctors/drugs are covered

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.

Glenda Martin · Answer

One of the biggest mistakes seniors make when enrolling in Medicare is *not understanding their options and enrollment periods*. This can lead to missed opportunities, penalties, and coverage gaps.

*Common Mistakes:*

- *Missing the Initial Enrollment Period (IEP)*: Failing to enroll in Medicare during the IEP can result in penalties and delayed coverage.
- *Not Considering All Options*: Not exploring all Medicare plan options, including Medicare Advantage and Medicare Supplement plans, can lead to inadequate coverage or higher costs.
- *Not Understanding Plan Differences*: Failing to understand the differences between Medicare plans, such as network restrictions and out-of-pocket costs, can lead to unexpected expenses.
- *Not Enrolling in Part D*: Not enrolling in a Medicare Part D plan when eligible can result in penalties and gaps in prescription drug coverage.

*Tips to Avoid Mistakes:*

- *Seek Guidance*: Consult with a licensed insurance agent or Medicare expert to understand your options and make informed decisions.
- *Carefully Review Plans*: Compare Medicare plans and consider your healthcare needs, budget, and preferences.
- *Mark Important Dates*: Keep track of enrollment periods and deadlines to avoid missed opportunities.

By being informed and proactive, seniors can navigate the Medicare enrollment process with confidence and avoid common mistakes.

George Ibanez · Answer

The first mistake is to go into a Medicare Advantage plan without doing the proper research and not looking at what doctors you can go with your plan and the drugs that are available with your plan. The second mistake and probably the biggest mistake is not realizing that when you first go on Medicare you have open enrollment for 6 months, so you can go on any Medicare supplement plan without going through underwriting, without realizing that once you go in a Medicare advantage plan and you are in it for 1 year, you cannot switch back to a supplement without medical underwriting, and if your health takes a toll for the worst and you have any kind of serious illness, you will not be able to pass underwriting and switch to a Medicare supplement plan and you will be stuck with the Medicare advantage plan forever.

For more information on Medicare supplement plans, contact George.

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.

Mark Sannes · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

Angela Tapp · Answer

The biggest mistake seniors make is prioritizing short-term extra perks over long-term financial protection. Far too often, people place a greater value on flashy ancillary benefits—like healthy food allowances or grocery cards—instead of focusing on core medical costs like Inpatient Hospital copays, Specialist visit copays, and Urgent Care copays. Choosing a plan based on minor perks rather than medical exposure can lead to devastating consequences.

A single unexpected inpatient hospital stay under the wrong plan can result in massive, life-altering medical bills. I have worked with many clients who struggle to get out from under these financial obligations, and for some seniors, the medical debt caused by a poorly chosen plan can physically outlive them.

I frequently meet with clients who deeply regret ignoring my advice in hindsight. They later wish they had chosen a plan with minimal ancillary benefits and the lowest overall maximum out-of-pocket expenses instead. When enrolling, your primary goal should always be safeguarding your health and finances against major medical emergencies. The extra perks should only be viewed as a secondary bonus.

Bill Green · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

Answered by Mark Sannes on March 5, 2026

Broker Licensed in WA, AK, AZ & 11 other states

Answered by Mark Sannes 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

Ann Sanfelippo · Answer

One of the biggest mistakes seniors make is choosing a Medicare plan without comparing all of their options.

Many people enroll in the first plan they see or automatically renew their current plan without checking whether it still fits their needs. This can lead to higher costs, limited doctor networks, or prescription medications not being covered as expected.

Taking the time to review your options with a licensed Medicare agent can help you avoid these pitfalls and choose coverage that fits your healthcare needs and budget.

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)

Timothy Baggett · Answer

The biggest mistake that I see seniors make when enrolling in Medicare is choosing a plan based only on the monthly premium and not on their doctors, medications, and total out-of-pocket costs. 

A low premium can end up being expensive if your prescriptions aren’t covered or your providers are out of network, or the plan has high copays and deductibles. 

Also missing your Medigap open enrollment window can be permanent, which is why getting personalized guidance before enrolling is so important.

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

Steven Lovell · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

Jim Tretola · Answer

The only "mistake " I see in enrolling in Medicare is Late Enrollment. 
Simply not enrolling when they should.

Now, enrolling in Secondary Plans is another story.

Many people do not understand their financial exposure with Plans, particularly
Medicare Advanatge Plans.
While everyone loves $0 Premiums, Part B Givebacks, and Free "Stuff", many do not understand the maximum out-of-pocket (MOOP) potential costs they might incur, or the deductibles and network restrictions, as well as prior authorization policies and hospital costs.

Medicare Supplement, or Medigap Plans, are rather straightforward, and usually do 
not hold "surprises". In many Plans, you pay your Premium, your yearly deductible, and
your yearly costs are fairly predictable.
However, many can not afford, or choose not to pay for these Plans.

Casey Ahlbum · Answer

Treating Medicare as another annual enrollment decision that they can do on their own, rather than looking at it as a long term strategic decision. 

The decisions that you make when you enroll in Medicare, will follow you all throughout your retirement.  Too many people make decisions based on TV commercials or well meaning advice from friends and relatives, but Medicare is not one size fits all.  

Some plans limit the doctors and health care providers you'll be allowed to see. Others don't travel well, and some require approval from the insurance company before you can get care. 

Certain plans may look inexpensive up front, but hidden out of pocket costs can end up costing you thousands if you have a serious health issue. Others may cost a little more up front, but offer  much greater freedom and flexibility while limiting your out of pocket expenses. 

There's no right or wrong approach, and a trusted Medicare advisor will take the time to get to know you and guide you through the process so that your plan choice fits your life not just for today, but for the long term.

Rosalind Ryan · Answer

The biggest mistake seniors make with Medicare is missing enrollment deadlines, which can lead to lifelong penalties and coverage gaps.

Other common mistakes include assuming other coverage counts like COBRA or small employer plans when it may not; not reviewing plans yearly, even though benefits and costs change; and overlooking coverage gaps, especially when choosing between Advantage and Medigap plans

Bottom line: Understand your timing, verify your coverage, and review your plan every year.

Troy Albrecht · Answer

Applying for Original Medicare (AKA Parts A and B) last minute. 

The majority of the steps required to transition to Medicare coverages can be completed quickly if necessary. However, there is very little that can be done to make the Social Security Administration move faster.

The only rare times I see clients unable to get Medicare policies set up for the date they want is when they apply for Original Medicare too late and are still waiting on their red/white/blue Medicare card when the deadline passes.

A close second would be when seniors choose Medicare Advantage without understanding (or often were not even told) about Medigap/Supplement plans and cannot switch into one later without underwriting.

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!)

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!

Brian Cronin · Answer

The biggest mistake I see is people just picking a plan based on the lowest premium without checking doctors, hospitals, and drug coverage. Medicare decisions are very personal — what works great for your neighbor might be completely wrong for you. Another common issue is missing key enrollment deadlines, which can lead to lifelong penalties or limited plan choices. Taking a little time to compare options upfront can save a lot of money and frustration later.

Answered by Brian Cronin on March 23, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

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

Donald E Oates, CLU, ChFC, RTRP · Answer

Enrolling in Part B when they are still working and paying the Part B premium when they don't need to. If you are still working and covered by a group plan, you only need to enroll in Part A. Enroll in Part B after you leave the group. You will still have open enrollment even though you may be older than 65.

Answered by Donald E Oates, CLU, ChFC, RTRP on January 5, 2026

Broker Licensed in MD, AZ, CA & 31 other states

Answered by Donald E Oates, CLU, ChFC, RTRP 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.

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.

Mark Bilgere · Answer

In my opinion the biggest mistake new Medicare beneficiaries make is asking their friends and family what plan they recommend. While this sounds like a good idea, it misses the opportunity to make sure the plan you pick is the best for your situation.

A better way to get advice from your friends and family is to ask them if they like the plan they are on and then ask them, "What broker did you use to get that plan and do they still help you?" Whatever their answer is you will know if you should use that person or not. If they like their plan and they know they can go to their broker with questions, start with that person. If they don't like their plan and they can't get help, then avoid that broker.

Your Medicare is just that, your Medicare. Each person's situation is different. Work with someone that can help get you the best plan and coverage for your situation.

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.

Kate Spilsbury · Answer

The biggest mistake I see is waiting too long or making a rushed decision without understanding how all the parts of Medicare work together. Many people enroll based on what a friend chose or what sounds cheapest, only to find out later their doctors or medications aren’t covered. Taking a little extra time upfront, and working with an experienced agent, can save a lot of stress and money down the road.

Answered by Kate Spilsbury on October 20, 2025

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

Answered by Kate Spilsbury Medicare Insurance Agent

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 & 43 other states

Answered by Ruben Trejo Medicare Insurance Agent

Claudia Englert · Answer

They do not read the Medicare & You book nor do any homework about Medicare and do not know what their options are which could end up being very costly to them. Some seniors do not take out a Prescription Drug plan, and if they go more than 63 days without creditable drug coverage, they will pay a penalty every month for the rest of their life unless they are on Medicaid.

Answered by Claudia Englert on November 20, 2025

Broker Licensed in OH

Answered by Claudia Englert Medicare Insurance Agent

Adam Richter · Answer

The biggest mistake seniors make is missing their initial enrollment window, which leads to lifelong late penalties and coverage gaps. The seven-month window spans three months before, the month of, and three months after turning 65. Failing to sign up on time can result in a 10% premium penalty for each year of delay.

Answered by Adam Richter on March 9, 2026

Agent Licensed in MD, AK, AL & 16 other states

Answered by Adam Richter Medicare Insurance Agent

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?

Meghan Blankenship · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

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.

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, what's the biggest mistake people make from the enrollment to Medicare? I think one of the biggest mistakes is people are unsure of when to enroll. A lot of people are working past 65, they're on an employer health plan at work. Do they keep it? Do they give it up? There are different scenarios. It's not a one size fits all kind of thing. And not every employer plan is what they call credible coverage in the eyes of Medicare. So if you're on one employer plan with a small company, that's not gonna be seen as credible coverage and you have to enroll into Medicare on your 65th birthday. If you work for a different employer, maybe a larger employer, most likely that's gonna be credible coverage and you can waive off or put off enrolling into Medicare until you leave work. But talk to your advisor, hopefully you pick one that's good, that's very knowledgeable because it's crucial.

Edward Givens · Answer

The biggest mistake is choosing a Medicare plan based on one attractive feature instead of looking at how the entire plan works.

A low or $0 premium, dental benefit, grocery allowance, Part B giveback, or recommendation from a friend may get your attention, but none of those tells you whether the plan fits your healthcare.

Before enrolling, I would look at five things:

Your doctors and hospitals.

Your prescriptions and pharmacies.

Your expected copays, deductibles, and coinsurance.

Your maximum financial exposure in a bad health year.

How the plan works when you travel or need specialized care.

I call that last piece the “Bad Year Math.” A plan should not only look affordable when you are healthy. You should understand what it could cost and how it could work if your health changes.

The best Medicare plan is not necessarily the plan with the most benefits or the lowest premium. It is the plan that fits your providers, prescriptions, budget, and the way you are likely to use healthcare.

That is why my approach is: Plan before pressure.

Medicare itself recommends comparing provider access, costs, coverage rules and benefits when choosing between Original Medicare and Medicare Advantage.

Lee Hampton · Answer

Being passive and not taking action with your Medicare can be cause for the biggest mistakes with Medicare.

These include 
- Missing deadlines that can lead to penalties.
- Choosing the wrong plan for your needs.
- Not reviewing existing coverage as plans can change yearly.
- Not verifying if providers are in-network or if prescriptions are in plan formularies.

All of these mistakes can be avoided by seeking personalized guidance from an agent. 

Chose an agent that wants to work with you for the long term and not just in the moment.

Robin Duffey · Answer

There are two mistakes seniors make when enroling in Medicare:
Not enrolling when they are eligible for Medicare and do NOT have credible coverage which creates a "gap" in coverage and then when they do enroll for A&B they have a penalty for life -- I just HATE that.  

The other mistake is just the opposite - they enroll into Medicare A&B when they still have credible coverage and then they are paying for their work insurance AND Medicare.  

I always go over how to avoid penalties to all my members to be and especially when I do seminars AND no one who continues to work and have work insurance should ever be told they have to change to a Medicare plan due to their age.  robin

Jon Cavanaugh · Answer

I'd say the biggest mistake is choosing too quickly and assuming it will be easy to change later. People often focus on the monthly premium or extra benefits without checking their doctors, prescriptions, and what they'll pay when they actually need care. They may also not realize that getting a Medicare supplement later isn't always guaranteed. I encourage people to look beyond what works today and think about what may work for them long term.

Answered by Jon Cavanaugh on August 1, 2026

Broker Licensed in NV

Answered by Jon Cavanaugh Medicare Insurance Agent

Joshua Allen · 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.)

Nathan Curry · Answer

Not obtaining a Medicare supplement policy during their initial enrollment period. You have 6 months before and after you Part B effective date to obtain a Medigap plan with out medical underwriting (this varies by state but applies to most states).

Answered by Nathan Curry on August 1, 2026

Broker Licensed in FL, AL, AR & 26 other states

Answered by Nathan Curry 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.

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.

Answered by Rick Boyd on June 2, 2025

Broker Licensed in KY, AZ, CA & OH, TN, TX & UT

Answered by Rick Boyd Medicare Insurance Agent

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.

Answered by Gene Page on June 2, 2025

Broker Licensed in UT

Answered by Gene Page 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

Greg Giordano · Answer

The biggest mistakes seniors make when enrolling in Medicare often involve missing deadlines, misunderstanding plan options, and failing to understand the costs associated with different plans. Specifically, failing to enroll on time, not understanding the difference between Original Medicare and Medicare Advantage, and neglecting to enroll in Part D (prescription drug coverage) are common pitfalls

Answered by Greg Giordano on August 1, 2025

Broker Licensed in FL, AZ, CO & 15 other states

Answered by Greg Giordano Medicare Insurance Agent

Mary Brown · Answer

One of the biggest mistakes seniors make is choosing a plan based only on the premium instead of checking doctors, medications, coverage limits, and out-of-pocket costs. Another common mistake is missing enrollment deadlines, which can lead to penalties or gaps in coverage.

Answered by Mary Brown on May 19, 2026

Broker Licensed in NJ, DE, FL & 5 other states

Answered by Mary Brown Medicare Insurance Agent

Andrew Firmin · Answer

What is the biggest mistake seniors make when they enroll in Medicare? I think a number of mistakes folks make. They listen to their friends and family, and our friends and family are well-intentioned, but we don't know what we don't know. So along that line, listening to our friends and family about what is the best plan for them may not be the most suitable plan for you. I think one of the biggest mistakes seniors make when transitioning to Medicare is treating the decision just like you've treated your healthcare decisions all of your life.

Now, I believe Medicare is the intersection of your health coverage and financial wellness. So it's important to understand what your financial risk is under any option of Medicare, what your appetite for that risk is, and what your propensity for care is. Treating the decision the same way you have for the first 65 years of your life is not necessarily the best way to transition into Medicare. It truly is a financial decision coupled with what your healthcare needs look like and what coverage is available in your area. I hope that provides some clarity. Until next time, be healthy and be well.

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, AZ, CT & 12 other states

Answered by Amy Putrino Medicare Insurance Agent

Nancy Courser · Answer

Not educating themselves on their supplemental plan options. Medicare is confusing and not understanding Part A & B and how the "gaps" would be covered is essential. Also, understanding what is covered by Medicare and what is not. Not only is Medicare not free it does not cover everything (i.e. dental, vision, hearing).

Answered by Nancy Courser on December 29, 2025

Agent Licensed in MI, FL & TN

Answered by Nancy Courser Medicare Insurance Agent

Zachary Whitaker · Answer

The biggest mistake is choosing a plan based only on the monthly premium instead of the total value and cost of coverage.

A $0 premium Medicare Advantage plan or a low-cost Part D plan may look attractive, but the premium is only one piece of the puzzle. The better question is, "What will this plan cost me over the course of the year if I actually use it?"

Leslie Santos · Answer

The biggest mistake is treating Medicare like a one-size-fits-all program instead of tailoring it to your health needs, prescriptions, and financial situation.  Also, 
Not Comparing Medicare Advantage vs. Medigap
Missing Enrollment Deadlines
Not Checking Prescription Drug Formularies
Not Re-Evaluating Every Year

David Tom Rankin · Answer

Choosing a company (and it's plan) for the bells and whistles rather than the combination of medical providers, annual maximum-out-of-pocket level and medical benefit co-pay costs.

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.

Answered by Kevin Chaikin on June 18, 2025

Agent Licensed in VA, AL, AZ & 31 other states

Answered by Kevin Chaikin Medicare Insurance Agent

Blanca Torres · Answer

One of the biggest mistakes seniors make is choosing a Medicare plan without comparing all of their options.

Many people enroll in the first plan they see or automatically renew their current plan without checking whether it still fits their needs. This can lead to higher costs, limited doctor networks, or prescription medications not being covered as expected.

Taking the time to review your options with a licensed Medicare agent can help you avoid these pitfalls and choose coverage that fits your healthcare needs and budget.

Silvana Peacock · Answer

One of the biggest mistakes is not enrolling on time, which can lead to late penalties that last for life. Another common mistake is choosing a plan based only on the premium without checking if it covers their doctors, medications, and health needs.

Answered by Silvana Peacock on September 29, 2025

Broker Licensed in FL, MI, NC, NJ, SC & VA

Answered by Silvana Peacock Medicare Insurance Agent

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

Colleen Williams · Answer

The biggest mistake that seniors make is not enrolling in Medicare during the proper time frame. Your Initial Enrollment Period (IEP) lasts 7 months long, 3 months prior to your 65th birthday, your birth month, and 3 months after your 65th birthday. If Medicare is not taken during this time frame, you will end up incurring penalties.

Answered by Colleen Williams on May 20, 2025

Broker Licensed in PA, FL, MD & NJ

Answered by Colleen Williams Medicare Insurance Agent

Brianna Henward · Answer

The biggest mistake seniors make is not picking up drug coverage immediately. Even if you have no medications or very little drug costs, you still need to pick up coverage or you will accrue a life time penalty when you do enroll. There are very affordable options and we can make sure you're not over insured.

Answered by Brianna Henward on September 26, 2025

Agent Licensed in ME & NH

Answered by Brianna Henward Medicare Insurance Agent

Melanie Blackston · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

Answered by Chad Watkins on May 14, 2025

Agent Licensed in NJ, AK, AL & 48 other states

Answered by Chad Watkins Medicare Insurance Agent

Glenn Quinn · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

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.

Christopher Boyd RICP, CLTC, LTCP, APP, MAML · Answer

1. Not getting Long Term Care Insurance. 
2. Not getting Part D Drug coverage (unless exempt from Part D by current Medicare rules). Most folks are not eligible for the exemptions.
3. Not meeting with an agent every fall to review your plan(s).

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.

Jason Hark, MBA, CMIP · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

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.

Sonia Jensen · Answer

Not completing due diligence when selecting a healthcare plan can lead to serious consequences. It’s essential to research all available plans to ensure the chosen option meets both healthcare and financial needs. Failing to work with an experienced agent who understands all plan options can be detrimental and risky. Without proper guidance, individuals may lose access to their preferred doctors or find that their prescriptions are not covered, resulting in unexpected costs and disruptions in their care.

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.

Heather Allen · Answer

Not working with an agent to understand all the rules and obligations of Medicare. If the rules are not followed, a person could be subjected to lifetime penalties or even disenrollment. If you do not have a prescription drug plan or credible drug coverage, the penalty is 1% per month the person is not enrolled that will be accessed once they enroll.

Robert Barco · Answer

The number one biggest mistake seniors make when enrolling in Medicare is missing enrollment deadlines for Medicare Part B and Part D.  By failing to meet these deadlines, one will have penalties added to premiums that will last a lifetime.

Diane Walker · Answer

I think the biggest mistake is not understanding what you have.  And by that, I mean not knowing what is covered, what is not covered and what your out of pocket dollar amount will be.  Gap coverage is the biggest worry and the most confusing part of Medicare.

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.

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.

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.

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.

Mike McKeough · Answer

The biggest mistake that I see seniors make when enrolling in Medicare is choosing a plan based only on the monthly premium and not on their doctors, medications, and total out-of-pocket costs.

A low premium can end up being expensive if your prescriptions aren’t covered or your providers are out of network, or the plan has high copays and deductibles.

Also missing your Medigap open enrollment window can be permanent, which is why getting personalized guidance before enrolling is so important.

Justin Doherty · Answer

Personally, I think the biggest mistake seniors make is trying to tackle the process on their own, or rely on advice from government agencies that are staffed by uncertified volunteers. I truly appreciate that these programs exist and I know the volunteers mean well. However, I have seen so many situations where they provided advice based on their own misunderstandings about how the different plans work. Generally, they are not licenses, certified, or even trained in the most expensive risks associated with coverage options. Not every licensed agent is a good option either. However, if you do some research and talk to other seniors you know, you can usually find a good agent to help point you in the right direction without  trying to sell you the plans that pay him the most commission.

Brian Krantz · Answer

The biggest mistake I see seniors make when enrolling in Medicare is listening to friends or going directly to the insurance companies. 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.

Jennifer Sigman · Answer

One of the biggest mistakes made is waiting too long and not signing up on time, which could lead to penalties.  Another mistake made is not doing enough research before choosing a plan that best fits your needs.

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.

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.

Mike Wetsel · Answer

Arguably, the biggest mistake seniors make when enrolling in Medicare is not taking time to verify the doctors and facilities they use accept the plan and carrier they select. 
Often, plans are chosen purely based on price and perks without considering the enrollees full range of care, now and into the future.

Robert Vitale · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

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."

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.

Peter Joseph · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

James Branson · Answer

The biggest mistake seniors make enrolling in Medicare is basing their decisions on what their neighbor has or what their friend has and likes.  Individuals have very different resources, needs and health conditions.  Speak with an agent who can explain the different Medicare pathways available so the individual can make the decision that's best for them.

Joshua McMullen · Answer

One of the biggest mistakes seniors make is choosing a Medicare plan without comparing all of their options.

Many people enroll in the first plan they see or automatically renew their current plan without checking whether it still fits their needs. This can lead to higher costs, limited doctor networks, or prescription medications not being covered as expected.

Taking the time to review your options with a licensed Medicare agent can help you avoid these pitfalls and choose coverage that fits your healthcare needs and budget.

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.

Armand Smith · Answer

In my opinion not weighing the pros and cons of enrolling in a medicare supplement or going on Medicare Advantage. Look at all the differences in regards to your situation. Look at the out of pocket cost for both.


Make sure your doctors are in network if you go on Medicare Advantage

Jan Knight · Answer

The biggest Medicare mistake that some seniors make is failing to enroll on time.  The late enrollment penalty is for life.  This applies to both Part B and Part D.  Know your dates!

Michael Caldwell · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

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.

Taylor Langlois · 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.

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.

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.

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.

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.

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.

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.

Vanessa McKinney · Answer

The biggest mistake is failing to enroll on time during their initial IEP. Not enrolling in Part B and Part D in a timely manner.

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.

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.

Ron Cronwell · Answer

The largest mistake is usually not taking the time to get help in understanding the pros and cons of Medicare and the options when first enrolling.     Find a local agent to work with to become an informed buyer.

Consider the several steps and considerations, personal health, plans available, financial situation, prescription requirements.

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.

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.

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.

Justin Sonon · Answer

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

David Haynes · Answer

I would say not doing some research and not finding a trusted advisor that would be able to help them with any questions and concerns they may have. Stay local with a local agent who can take the time to help someone compare and contrast various plans in the area. Above all, go with someone who will be there to help them if needed year round.

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.

Kristen Skinner · Answer

Not enrolling in a Stand Alone drug plan or some type of drug plan without having credible coverage for drugs. Making sure if they have certain health issues., what out of pocket they may have in a year.

Valentina Gatewood · Answer

The biggest mistake I see is not enrolling on time, or a plan that does not cover their needs such as their specialist or medications.

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.

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

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.

Marshall Orenic · Answer

I would say the biggest mistake is not taking advantage of the guarantee acceptance on Medicare supplement policies.  Once you are past that opportunity it can cost you down the road.

Lily Genao · Answer

Choosing a plan with $0 premium with out making sure that all doctors are in net work ... or if the plan itself works for the patient.

Sheila Trumble · Answer

They do not take the time to fully understand how the plan works and ask all the questions they have so they can really use all their benefits correctly. Also they don’t have their top three most important needs in mind so they can make their decision less confusing by narrowing down the plans that really meet their needs.

Brian Moore · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

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.

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!!

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

Jack Mayer · Answer

On TV there is much marketing to get people to enroll into certain plans with certain carriers because of the over emphasized ancillary benefits like dental, hearing and vision which is not always the primary reason for choosing a health plan and some overlook the benefits of a Supplement which may be more suitable for the enrollee.

Eddie Tune · Answer

In my opinion, probably not enrolling in part D during the IEP because they are not on any medications at the time they are eligable.

Christopher Palazzini · Answer

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

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.

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.

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.

Ben Washington · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

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.

Margaret Winter · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

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.

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!!!

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.

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.

Kris Moen · Answer

People don’t mess up Medicare by picking the wrong plan—they mess up by picking the cheapest one without realizing how they’ll pay for it later.

Melanie Rogers · Answer

Not utilizing an independent agent. A independent agent does not cost a senior and their expertise will help to look at your individual situation and needs and help guide you to the plan that will meet your needs. Look for a LOCAL INDEPENDENT agent who can come to you and  meet in person or you can get time on their schedule and speak over the phone. an independent agent represents multiple companies and plans.

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.

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.

Ryan George · Answer

The biggest mistakes seniors make when choosing Medicare, is two things. 

1. You get into a plan because your friend, neighbor, spouse, coworker, etc. has it. 

2. You don't talk to a local brokerage that can give you access to all the plans in your area.

Clare Burley · Answer

Not having the correct timing and not getting the accurate coverage in place initially. 

This can lead to a stressful enrollment and even late enrollment penalties in the future.

Bruce Resnick · Answer

The biggest mistake most seniors make when enrolling in Medicare is calling a number seen in an ad or on TV and not contacting a qualified and experienced local agent who will carefully explain the "alphabet soup" of choices available, and assist them in enrolling into plan(s) that will best serve their needs and their healthcare risks and budget

Richard Norcross · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

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.

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 trying 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.

Steven Maicus Jr · Answer

Honestly its procrastinating, not enrolling on time, and making assumptions about their needs, you should always have your Agent do a needs assessment, this help us pick the plan that is right for you the 1st time.

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.

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.

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.

Pamela Masters · Answer

The biggest mistake in my opinion is not really understanding their options, benefits and costs. Find someone that can help you navigate either original Medicare, Medicare advantage plans or Medicare supplements.

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.

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.

Jaye Maxx Alexander II · Answer

They don't take the time to review their current or future lifestyle to pick a plan. They look at the plans based on the upfront cost of the plan and never look at the back end of the plan.

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.

Hannah Skinner · Answer

I would say that the biggest mistake seniors make when enrolling Medicare would be not getting help from a broker. Many people will go straight to one company or just try to enroll themselves on a company site. I think this is a mistake because it drastically limits the options you have when choosing a plan.

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.

Amal Sahyoun · Answer

Not having a thorough knowledge of what coverages Medicare covers.
They need to understand that Medicare does NOT cover everything.

Hope Foutz · Answer

One of the most common mistakes seniors make is not fully understanding their options before enrolling.  

Working with a licensed agent can help avoid these pitfalls by ensuring you understand all your options and choose a plan that truly fits your healthcare and financial needs.

Mitch Anderson · Answer

The biggest mistake that someone would make when enrolling in Medicare would be not talking to an independent licensed insurance agent and getting an unbiased education on their options, timeline, and coverage expectations.

Duane Everding · Answer

Not reviewing doctors or medications.  This should be step 1 when selecting which Medicare option is best for you.

Oscar Chavez · Answer

The biggest mistake is not signing up for a prescription drug plan or Part B when they are eligible for it.

Donald Elliott · Answer

From my experience the biggest mistake is making a lifetime decision based on the first advice you receive.  You should carefully consider all your options rather than the recommendation of the first representative who knocks on your door.  I listen carefully to your concerns and desires, ask questions to eliminate those options that simply do not fit, and my client always makes the best decision using their own understanding.

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.

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.

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.

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.

Helena Foutz · 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.

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

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.

Raid Alemam · Answer

Missing deadlines for aep or missing to enroll in part d prescription drug not understanding the difference between original Medicare and advantage plans

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.

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.

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.

Dean Chiapetto · Answer

The biggest mistake people make is not using a LOCAL LICENSED AGENT who brokers for many companies. Going it alone can cost thousands and you don't pay an agent.

Marcie Barnes · Answer

The biggest mistake new Medicare beneficiaries make is trying to sign up on their own.

Having a licensed agent help you navigate through this complicated process to insure you are receiving all the benefits you are entitled and are covered correctly.  Will make your Healthcare needs much easier.

Ricardo Sanches · Answer

Biggest mistake seniors make is not understanding their options. It is imperative to know how Medicare works and what the pros and cons are between those options.

Sarah Frome · Answer

The biggest mistake is not reviewing all of your options in your state, including Medicare savings programs.

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.

Mike Alexander · Answer

NOT DOING AN INDIVIDUAL NEEDS ASSEMENT , TO MAKE SURE YOU ARE ENROLLED IN THE RIGHT PLAN FOR YOU. I ALWAYS DO A NEEDS ASSESMENT BEFORE I EVEN QUOTE ANY PLANS OR RECOMMEND ANY PRODUCTS.

Mary Salmon · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

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.

Todd Bostic · Answer

Not enrolling in part D after they enroll in Part B, but if you have a Medicare Advantage plan, you are automatically covered.

Brian Williams · Answer

Mistakes are often in the selection of your agent and the true understanding of the different options available to you for your Medicare. In addition, always maintain your relationship with your agent. Your agent should be your trusted advisor with any decisions you make about your plan options.

Heather Johnson · Answer

I find that the biggest mistake seniors make when enrolling in Medicare is that they do not seek out professional advice.  There are a variety of impacts that retirement can have on quality of life, so seeking a licensed professional is the prudent thing to do.

Althea Sanders · Answer

The biggest mistake is not seeking help with the education portion. There is so much to know and there are so many moving/changing parts. Partnering with an Agent/Broker is complimentary so go ahead - find someone you enjoy working with and accept the help!

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.

Clarence &quot;Mark&quot; Christiansen · Answer

The biggest mistake seniors make when enrolling in Medicare is missing their Initial Enrollment Period (IEP), a 7-month window (three months before, the month of, and three months after turning 65). Missing this deadline can lead to permanent late-enrollment penalties for Part B and D, and gaps in health coverage.

The next biggest mistake is not calling a Medicare Broker/Agent and getting no-cost expertise to understand how Medicare works and find the right plan for their needs.

Bubi Gorgevich · Answer

Seniors usualy do not explore all of the options available and aplicable to them. Commonly they have recommendations by friends or spouse and go with it. Very important moment is knowing what could cause certain penalties and declines in the future.

Dominic Colonero · Answer

I would say not speaking with a Medicare broker to go over your options and help answer any questions you may have. There is a lot of misinformation out there especially on when to enroll to enroll in Medicare and avoiding penalties. A trusted expert can guide you through the process.

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".

Keith Brown · Answer

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

Daniel Brechin · Answer

The biggest mistake is not sitting down with a Medicare Agent.  The Agent has been trained to tell you all of the twist and various plans and how they work.

Ronnie Robinson Jr · Answer

One of the biggest mistakes we see are clients not filling the gaps in their two Medicare options. Just like traditional health insurance through a job Medicare has gaps that need filled to be in a better financial position.

Jim Carlson · Answer

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

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.

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.

Tammy Masalonis · Answer

Answering the phone of some random company who is cold calling them about Medicare. Hang up and choose a local advisor you trust.

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.

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.

Nora Alishahi · Answer

Trying to enroll by themselves without asking someone that is licensed and can analyze their own situation and suggest the best plan for them

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.

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.

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.

Charles Borg · Answer

Joining a Medicare Advantage plan. Look closly and you'll find that there are lots of restrictions that aren't under regular Medicare.

Jonathan DuPree · Answer

They don't pay attention to the benefits. The benefits are the most important part of the policy. They explain to you exactly what will be covered and what will cost you,  Always view the benefits first. -Jonathan DuPree

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.

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/ ...

Darlene Murphy · Answer

Researching by themselves without a qualified and trusted representative for that local area. Plans are different in states, county, and coverage. Choosing wisely is being well informed.

Vickie Simpson · Answer

Not taking advantage of a Medi Gap or Advantage plan.  Which is why they need to discuss the options with a licensed agent, so they understand all of the options and can make a informed decision.

Jim Herro · Answer

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

Jill Austin · Answer

The biggest mistake seniors make when enrolling in Medicare is assuming it covers everything and failing to understand the gaps - especially not enrolling in Part D or Medigap on time, which can lead to lifelong penalties and high out-of-pocket costs.

Answered by Meghan Blankenship on November 14, 2025

Broker Licensed in FL, MD & OH

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

Charlie Fitzgerald · Answer

Honestly, following the advice of friends B our family rather than working with a Licensed Agent with Medicare certification to guide them.

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.

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.

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.

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.

Travis Harmon · Answer

Many people think they can handle Medicare on their own, but the rules and options can be overwhelming. By working with an expert agent, you get clear guidance and support—at absolutely no cost to you.

Keara Vega-Hernandez · Answer

That's a tricky one because there are some pretty significant mistakes that can be made without trusted guidance. One of the biggest mistakes seniors make is choosing a Medicare plan based only word of mouth  instead of looking at the overall coverage.

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.

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?

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.

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.

Ron Kaemmerer · Answer

Talking with people over the phone that call you about 
Talking with someone about Medicare and not making sure they check your meds and doctors

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.

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!!

Andrew Zurbuch, MBA · Answer

Not reading the Insurance material could be it or taking the time to meet with a Broker to get informed. You should use a Broker & meet & ask questions. If you are unclear ask more questions. Take notes. You can meet again to discuss Medicare. Thank you.

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.

Gregory Brown · Answer

I would say not getting a clear understanding on how Medicare works, that is why it is important get with a broker that does Medicare.

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.

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.

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.

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.

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.

Jaime Valadez · Answer

Not using a broker to compare all insurance companies. All insurance is good insurance when , but it is not a one shoe fits all.

Diana Salisbury · Answer

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

Christopher Orr · Answer

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

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.

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.

Frank Carta · Answer

By not working with a good agent/broker, you may have problems limited to their knowledge or
their willingness to help you.

Michael Brady · Answer

Seniors can enroll them selfs and think they are saving. A agent that does the every day can help with choices at no cost.  Its like getting a second option at no cost.

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

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.

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.

Omar Moreno · Answer

Late enrollment and get penalties 
Try to be more knowledgeable than a insurance professional and know every detail as they on peace

Dustin Diesman · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-is-the-biggest-mistake-seniors-make-when-enrolling-in-medicare#dustin-diesman