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

Answered by 100 licensed agents

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

Answered by Taylor Langlois on March 12, 2025

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

Answered by Taylor Langlois Medicare Insurance Agent
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.

Answered by Larry Dalton on May 18, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent
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.

Answered by Lt Col Tim Brown on March 25, 2025

Broker Licensed in TN, AL, CO & 10 other states

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

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

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

Answered by Melonie Wood on March 27, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent
The biggest mistake seniors make when enrolling in Medicare is trying to do-it-themselves. I think it's a bad idea, especially considering that a knowledgeable, experienced, independent, licensed Medicare agent is most likely provide Medicare enrollment assistance at no cost or obligation. The technical term we use here is, "no brainer" to talk with an agent.

Answered by Clarence "Mark" Christiansen on March 27, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent
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.

Answered by Tasha Riggs on March 25, 2025

Broker Licensed in CO, AZ, HI & 10 other states

Answered by Tasha Riggs Medicare Insurance Agent
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.

Answered by Gary Church on May 26, 2025

Broker Licensed in Ca, AZ, NV & TX

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

Answered by Joseph Bachmeier on March 26, 2025

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

Answered by Joseph Bachmeier Medicare Insurance Agent
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.

Answered by Brian Krantz on March 25, 2025

Broker Licensed in NY, AK, AL & 48 other states

Answered by Brian Krantz Medicare Insurance Agent
They answer a outside call and get caught by an agent selling plans that will not work in the state of residence.

Answered by James Carlson on March 27, 2025

Agent Licensed in MN

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

Answered by Ben Washington on March 25, 2025

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

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

Answered by Jennifer McDonnell on May 26, 2025

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

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

Answered by Michael Denniston on June 1, 2025

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

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

Answered by Bill Green on March 26, 2025

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

Answered by Bill Green Medicare Insurance Agent
Not getting a supplement during golden enrollment as long as affordability is there. There are no health questions and medical underwriting.

Answered by Christopher Palazzini on April 1, 2025

Broker Licensed in FL, CA, GA & 6 other states

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

Answered by Amy Putrino on March 26, 2025

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

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

Answered by Michael Caldwell on May 20, 2025

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

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

Answered by Richard Moreno on June 3, 2025

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

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

Answered by Don Hudson on April 1, 2025

Broker Licensed in FL

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

Answered by Christy Jones on May 31, 2025

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

Answered by Christy Jones Medicare Insurance Agent
The biggest mistake seniors make when enrolling in Medicare is missing their initial enrollment window and not signing up on time. This can lead to late enrollment penalties that last for life and costly gaps in coverage when they need care most. Using an experienced broker can help you navigate the process correctly and make sure you enroll on time to avoid these serious problems.

Answered by Jason Hark, CMIS™ on June 4, 2025

Broker Licensed in IL, AL, AR & 16 other states

Answered by Jason Hark, CMIS™ Medicare Insurance Agent
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.

Answered by Hope Suhr on May 21, 2025

Broker Licensed in CA, AZ, MO & OR, SC, TN & TX

Answered by Hope Suhr Medicare Insurance Agent
The biggest mistake is not having an agent to help guide them, and take care of them.

Not knowing or completely understanding their options.

Answered by Karen Boudreaux on March 13, 2025

Agent Licensed in TX, AZ, CA & 5 other states

Answered by Karen Boudreaux Medicare Insurance Agent
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?

Answered by Pamela Camey on March 28, 2025

Broker Licensed in IL, FL, IA & 7 other states

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

Answered by Kathryn Zekas on May 7, 2025

Broker Licensed in FL

Answered by Kathryn Zekas Medicare Insurance Agent
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.

Answered by Samantha Jellison on March 6, 2025

Broker Licensed in NC, FL & SC

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

Answered by Mary Turner on March 25, 2025

Broker Licensed in FL

Answered by Mary Turner Medicare Insurance Agent
Choosing a Medicare prescription plan or Advantage plan based solely on the plan premium can be a costly mistake.

Answered by Justin Sonon on March 25, 2025

Broker Licensed in Pa, DE, FL & IL, MD, NJ & SC

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

Answered by Danny Radisewitz on March 25, 2025

Broker Licensed in SD, IA, MN & ND

Answered by Danny Radisewitz Medicare Insurance Agent
Nor asking enough questions! Neverasume 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 bested suite to your needs and budget.

Answered by Esther Miller on March 31, 2025

Agent Licensed in WA

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

Answered by Laura Shipman on May 12, 2025

Agent Licensed in KS

Answered by Laura Shipman Medicare Insurance Agent
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.

Answered by Jay Larshus on March 25, 2025

Agent Licensed in TN & VA

Answered by Jay Larshus Medicare Insurance Agent
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 & NJ

Answered by Colleen Williams Medicare Insurance Agent
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.)

Answered by Sean Willingham on May 21, 2025

Broker Licensed in TX, AL, FL & 8 other states

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

Answered by Frank Souk on March 25, 2025

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

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

Answered by Jason Rubin on March 25, 2025

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

Answered by Jason Rubin Medicare Insurance Agent
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)

Answered by Charles Boone on March 25, 2025

Broker Licensed in OH

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

Answered by Justin Scheiner on March 27, 2025

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

Answered by Justin Scheiner Medicare Insurance Agent
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.

Answered by Daniel Weeks on March 31, 2025

Broker Licensed in MN & WI

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

Answered by Ruben Trejo on March 4, 2025

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

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

Answered by Edward Givens on March 25, 2025

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

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

Answered by Kent Pike on March 25, 2025

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

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

Answered by David Wynne on March 25, 2025

Broker Licensed in SC, NC & PA

Answered by David Wynne Medicare Insurance Agent
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.

Answered by Ronnie Rosenberg on June 5, 2025

Agent Licensed in FL, AZ, CT & 9 other states

Answered by Ronnie Rosenberg Medicare Insurance Agent
Trying to educate themselves without the assistance of a local Medicare Advisor. Too important of a decision to go it alone.

Answered by Jim Herro on March 25, 2025

Broker Licensed in WI

Answered by Jim Herro Medicare Insurance Agent
Not getting the proper information about Medicare to know when to sign for it and what are the benefits of Medicare only.

Answered by France Stephanos on March 25, 2025

Agent Licensed in CT, FL, MA, NJ & RI

Answered by France Stephanos Medicare Insurance Agent
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.

Answered by Teresa Cole on March 17, 2025

Agent Licensed in WV

Answered by Teresa Cole Medicare Insurance Agent
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.

Answered by Corey Romero on March 21, 2025

Broker Licensed in LA & TX

Answered by Corey Romero Medicare Insurance Agent
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.

Answered by Alyssa Burgos on March 25, 2025

Broker Licensed in CO, AZ & TX

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

Answered by Mel Brickman on March 25, 2025

Agent Licensed in CT

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

Answered by Jon Kelderman on March 25, 2025

Broker Licensed in IA, AZ & TX

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

Answered by Joshua McMullen on March 12, 2025

Agent Licensed in IN

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

Answered by Joseph DeBlasio on March 20, 2025

Broker Licensed in NJ & NY

Answered by Joseph DeBlasio Medicare Insurance Agent
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
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.

Answered by Anthony Lucero on March 25, 2025

Broker Licensed in CO, CA & FL

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

Answered by Jill Austin on March 25, 2025

Broker Licensed in NC & SC

Answered by Jill Austin Medicare Insurance Agent
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!!

Answered by Sharon Lewis on March 25, 2025

Broker Licensed in WA, AZ, HI & 5 other states

Answered by Sharon Lewis Medicare Insurance Agent
The biggest mistake seniors make when enrolling in Medicare is not enrolling at the right time and not looking at all of their options.

Answered by Jennifer Tanner on March 25, 2025

Agent Licensed in UT, AZ, ID & WY

Answered by Jennifer Tanner Medicare Insurance Agent
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!!

Answered by Dave Stevens on March 25, 2025

Agent Licensed in ME

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

Answered by Steven Bleicher on March 27, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent
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

Answered by Diana Garner on May 8, 2025

Broker Licensed in KY, FL, IN, OH & TN

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

Answered by Norman Smith on March 29, 2025

Agent Licensed in FL & PA

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

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent
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.

Answered by Michael Pyers on May 16, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent
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.

Answered by Leslie Helene Sussman on March 31, 2025

Broker Licensed in NJ, FL & PA

Answered by Leslie Helene Sussman Medicare Insurance Agent
Not getting Professional help when it is so readily available FOR FREE. Trying to know what is right for you after a few hours of research is like tying to fly around the world without a map.

Please speak with a Licensed Broker in your area...who is Independent..not someone who is working for a specific Insurance Carrier who will only show you that Carrier's options.

Answered by John L Herman Jr on March 25, 2025

Broker Licensed in MD, DE & PA

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

Answered by Steven Lovell on June 1, 2025

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

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

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent
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.

Answered by Yasmery Vargas on May 15, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent
Not meeting with an insurance agent or broker. Getting your options prior to enrollment is critical to not making future mistakes.

Answered by Diana Salisbury on April 30, 2025

Broker Licensed in OH, IN & MI

Answered by Diana Salisbury Medicare Insurance Agent
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.

Answered by Barbara Barnes, CMIP® on April 1, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent
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
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?

Answered by Michael Kim on March 25, 2025

Agent Licensed in NV, AR, AZ & 18 other states

Answered by Michael Kim Medicare Insurance Agent
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.

Answered by Joseph Peck on March 26, 2025

Agent Licensed in MI, AL, CO, KS & TN

Answered by Joseph Peck Medicare Insurance Agent
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.

Answered by Shelly Hefley on March 26, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent
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.

Answered by Tammy Stoner on March 25, 2025

Broker Licensed in UT, AK, AZ & 7 other states

Answered by Tammy Stoner Medicare Insurance Agent
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

Answered by DeeDee Whitlock on March 27, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent
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
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.

Answered by Julie Joyce on March 25, 2025

Agent Licensed in PA, CT, DE & 9 other states

Answered by Julie Joyce Medicare Insurance Agent
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.

Answered by Michael Crocker on March 14, 2025

Broker Licensed in SC

Answered by Michael Crocker Medicare Insurance Agent
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.

Answered by Tammie Rutledge on March 25, 2025

Broker Licensed in WA, AZ, FL & ID, MT, OR & TX

Answered by Tammie Rutledge Medicare Insurance Agent
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.

Answered by Walt Smith on March 25, 2025

Agent Licensed in NJ, PA & VA

Answered by Walt Smith Medicare Insurance Agent
#1, not knowing when to enroll or not enroll into Medicare Part B, then

#2, not knowing their options when they choose a plan.

Answered by Helena Foutz, RSSA on March 4, 2025

Broker Licensed in CA, AK, AR & 12 other states

Answered by Helena Foutz, RSSA Medicare Insurance Agent
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
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.

Answered by George Kolitsas on March 25, 2025

Broker Licensed in CT

Answered by George Kolitsas Medicare Insurance Agent
Working with unseasoned telesales agent or trying to decide theirselves without local seasoned broker

Answered by Christopher Orr on March 26, 2025

Broker Licensed in TN, KY, NC & VA

Answered by Christopher Orr Medicare Insurance Agent
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.

Answered by Jeremy Henry on May 14, 2025

Broker Licensed in VA

Answered by Jeremy Henry Medicare Insurance Agent
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.

Answered by Bill Zeky on May 19, 2025

Broker Licensed in PA, AL, CO & 10 other states

Answered by Bill Zeky Medicare Insurance Agent
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.

Answered by Christopher Garcia on April 29, 2025

Broker Licensed in NM, AZ, CO & TX

Answered by Christopher Garcia Medicare Insurance Agent
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.

Answered by David Koller on March 26, 2025

Broker Licensed in UT, ID & NV

Answered by David Koller Medicare Insurance Agent
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.

Answered by Peter Yeh on March 21, 2025

Agent Licensed in CA & TX

Answered by Peter Yeh Medicare Insurance Agent
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.

Answered by Jeffrey Simpson on March 7, 2025

Agent Licensed in NC, GA & SC

Answered by Jeffrey Simpson Medicare Insurance Agent
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.

Answered by Denise Berg on March 25, 2025

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

Answered by Denise Berg Medicare Insurance Agent
The biggest mistake seniors make when enrolling into Medicare is they don't get a personal broker. A personal broker looks at plan changes that happen every year to make sure prescriptions are still covered at a reasonable cost and that the client's doctors are still in network. Medicare can be very confusing and a broker simplifies the process and becomes your advocate.

Answered by Peter Joseph on March 25, 2025

Broker Licensed in CA, AL, AR & 39 other states

Answered by Peter Joseph Medicare Insurance Agent
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

Answered by Ginger Gibbs on March 25, 2025

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

Answered by Ginger Gibbs Medicare Insurance Agent

Tags: Advice for Seniors New To Medicare

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