What's one Medicare decision that too many people regret later?

Question

Rick Moore · Accepted Answer

Selection of an MAPD when they could have enrolled in supplemental plan and separate PDP during their initial IEP. Too many (in my opinion) are led to the MAPD side without having the client sign-off on an affidavit saying they have in fact received a thorough discussion of the pro's and con's of both sides of the Medicare decision fence.

Answered by Rick Moore on March 11, 2025

Broker Licensed in NV, CA, NJ & NY

Answered by Rick Moore Medicare Insurance Agent

Steve and Sue Brauer · Answer

So the question is, what's the one Medicare decision that too many people regret later? Hands down, the one decision that too many people make and regret is not finding a Medicare advisor or an independent Medicare broker that they can trust. It's a very personal relationship, and when you get caught up with someone that is either a knucklehead or tries to do too many lines of insurance and is not an expert at any one thing, they're just not gonna give you good advice. They're gonna screw it up because Medicare is very complicated. There's a lot of moving parts to it. You just can't be an expert at everything, and you have to pick someone that you think you can trust, somebody that knows what they're doing and didn't start doing it a year ago.

Mike Alexander · Answer

Not picking the right plan at the time of enrollment, and losing the guarantee issue right for a medicare gap plan

Mark Bilgere · Answer

One of the most regrettable decisions people make is signing up for something because a neighbor, friend or relative said that's what they should do. Instead, meet with a trained broker that will get to know your personal situation and make recommendations based on your needs. There is no fee to work with a broker, so trying to do it yourself is often not a great decision either.

As far as a very regrettable decision that a lot of people make is missing out on their Guaranteed Issue period to join a Medicare Supplement when they first enter Medicare. If you pass on your GI period and want to get a supplement later, you will need to pass medical underwriting. Many people are disappointed when they become sick and need more care and then its too late to get a supplement. Make sure you know how both Supplements and Advantage plans work.

Daniel Brechin · Answer

Seniors need to understand how Medicare works

Depending on your need not what a salesman trying to push.

Norman Smith · Answer

Correct initial decisions of your health choice when first eligible for Medicare is paramount because this is the only time you will make that choice without any Underwriting involved!
Many people, for instance, make the choice of going with a Medicare Advantage plan automatically, only to find that it was neither Medicare nor an Advantage for them! That's not to say it isn't the proper choice for some who have no real choice based on their circumstances, but for the person who has progressive ailments, or a family history of cancer, heart issues, dementia, etc. the care for the choices aren't the same. Unfortunately, when it comes to wanting the best professional for their needs, they may not be available to them. 
You can't call for Home Owner's Insurance amid a fire, or Auto Insurance once you've been in an accident. So if an ailment, accident, or disease comes along and you chose wrong initially, you've found out too late that you took "cheap" in place of preparation. 
I encourage you to be sure you investigate your options thoroughly upon your Open Enrollment. Get all the facts. Know health will only regress, so best to be prepared.

Larry Dalton · Answer

They made a hasty decision over a telephone conversation or allowed someone to talk them into changing their coverage after utilizing their trustworthy agent to set up their long-range coverage.

Terri Reagin · Answer

Not addressing the areas that Medicare does not cover is definitely something that you will regret if you don't have a conversation about it and find adequate coverage. A good example is long-term care. Long-term care is not covered by Medicare. That includes nursing home, assisted living, and private duty round-the-clock care in your home. There are definitely some options, affordable options even, to cover long-term care solutions. There's even some affordable tax solutions for the self-employed, and the average cost for long-term care is anywhere between $6,000 and $7,000 a month conservatively right now, at least in my state, in the state of Oklahoma. I think it's an important thing because a lot of people just assume that it's covered by Medicare when they buy their Medicare coverage, and it's a conversation we should be having.

George Ibanez · Answer

The worst decision that people regret is to enroll in a Medicare Advantage plan and get sick, and not being able to enroll in a Medicare supplement plan and being stuck in a Medicare Advantage plan with all sorts of copays and restrictions on doctors and hospitals.

For information on getting a Medicare Supplement plan, contact George Ibanez.

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. Medicare is all Greek to you. You're in luck. I'm Greek. So the question is, what Medicare decision do people regret later? That's a tough one. There are lots of people who make decisions and have regrets if they don't like it. The biggest one I would come into, I guess, would be people listening to their friends and not talking to a broker. Your friends are like, "Well, I'm on this great plan. This is fantastic. You gotta get on this." And they're like, "Yes, that's what I'm gonna do. I'm gonna go to Medicare.gov and sign up for it." No questions asked, nothing. And then down the road, they're like, "Well, my doctor doesn't take that. Now my drugs aren't in this and I'm paying so much." So I guess it's not talking to a broker because then when you talk to them, it's like, "Oh, I just went with what my friend said." I'm like, "Well, that's good. It's good that you have friends that you can talk to about this." Every plan is different based around every person because every person is different, right? I mean, I don't see a lot of twins of me running around. This guy's pretty cool. But if everybody's different, then that means all the different plans are different. There are different provider groups in different plans. The Medicare Supplement Plan, that's great. One size fits all. Down the road, like I'm paying so much money for this Medicare Supplement Plan and I didn't realize that there was this Advantage plan that didn't cost anything and still had great coverage. So there's some regrets mixed in there. It's always good to talk to a broker to make sure you're on the plan that works best for you, physically, mentally, health-wise, and financially. So reach out to us. We'll send out an agent and we'll be more than happy to help you out. Have a great day.

Ann Sanfelippo · Answer

One of the most common regrets is choosing a plan based only on the lowest premium instead of total cost and flexibility. Many people enroll in Medicare Advantage without fully understanding network restrictions, prior authorizations, and out-of-pocket exposure, then feel stuck when their health needs change. Another major regret is missing the Medigap Open Enrollment window, which can make it difficult or expensive to get supplemental coverage later.
The decision that matters most is not just what’s cheapest today, but what will still work well if your health situation changes.

Bill Wheeler · Answer

Delaying Medigap or Part D Coverage:
Not signing up for additional coverage like a Medigap policy or a Part D prescription plan when first eligible can lead to lifelong penalties or denial of coverage later.

Pamela Masters · Answer

The one I see most often is for people who are turning 65 to not get a prescription drug plan. It can be a stand alone prescription drug plan or it can be a part of a Medicare advantage plan known as an MAPD plan. If you feel like you don’t need one but later need help covering medications and decide to get a plan, you have a penalty. Have your agent help you find the most inexpensive one for your needs and save yourself the extra expense later on

Answered by Pamela Masters on March 2, 2026

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Charise Karjala · Answer

This is a great question. What's one Medicare decision that too many people regret later? Universally, the one decision that people make is not to decide. They forget that they turned 65, or they've been living in Mexico, or they were distracted, or they were doing something else. Not enrolling in Medicare during the initial enrollment period creates obstacles that are very difficult to unwind later on.

For example, if you forget that you're 65 and your birthday is in May, then the following May comes around and you're thinking, "Oh my god, I'm 66. I didn't enroll in Medicare and I haven't had any insurance." You're going to have a permanent late enrollment penalty for quite a bit of money because guess what? It's May, and you can't enroll in Medicare until January, February, or March, usually for a July 1st enrollment. Unless, of course, you had an employer-sponsored plan, then you've got a gimme. But for people that are just spaced out, they will face hundreds and hundreds of dollars in costs associated with not knowing what their birthday is and what their requirements are.

Most of my clients hit me up because they're really scared of that. That's my answer to that question. The second item that individuals regret is just picking any old plan. For example, you know, I'm gonna use Kaiser or HealthNet. My mom had HealthNet; she liked it. But without going through the discipline of seeing if there are actually any providers in your community under that carrier, you might run into issues. I just use those as examples because they've come up in my community as not having solid and extensive specialists.

So I think those are the two main regrets: just not being careful about enrolling in a Medicare Advantage policy and not doing the research on your area. And for crying out loud, just enroll on your 65th birthday. Just get it done, you know?

Tony Capraro III · Answer

Waiting too long to get the information they need to make the Best Decisions for their particular situation and not getting enough information to make those decisions!

Edward Smith, ChFC, CRPS, AIF · Answer

Well, you can make a change to Medicare Advantage plans every year, so I would have to say, not going with a Medicare Supplement instead during their Initial Election Period. Once you are past the guaranteed issue phase you have to be able to pass underwriting and many people cannot.

Answered by Edward Smith, ChFC, CRPS, AIF on February 9, 2026

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

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

John Becker · Answer

I would say that the one i here most is:  Regretting choosing a Medicare Advantage plan based on low premiums without realizing it restricts doctor networks and requires prior authorization for care. Many regret not opting for Original Medicare with a Medigap plan, which allows nationwide access to any doctor who accepts Medicare. 

Other regretted decisions include:
Restricted Networks: Switching to a Medicare Advantage plan and realizing their preferred specialists are out-of-network, leading to higher costs or inability to see them.

Forgoing Medigap Initial Enrollment: Skipping a Medicare Supplement (Medigap) plan at 65. If you do not buy one during your Initial Enrollment Period, you may have to pass medical underwriting later, meaning you can be denied coverage due to pre-existing conditions.

Assuming Medicare Covers Everything: Assuming standard Medicare covers long-term care, dental, or vision, leading to unexpected, massive out-of-pocket expenses.

Missing Part B Enrollment: Failing to enroll in Part B when first eligible, resulting in lifetime late-enrollment penalties and coverage gaps.

"Set it and Forget it" Drug Coverage: Not re-evaluating Part D drug plans annually,

Ray McCauley · Answer

purchasing a medicare advantage plan because they don’t see the need to pay for a medicare supplement plan while they are healthy thinking they will buy a medicare supplement plan when they experience health issues but then no longer qualify for gauruntee issue

Answered by Ray McCauley on March 27, 2025

Broker Licensed in CA, AZ, FL & ID, NV, SC & TN

Answered by Ray McCauley Medicare Insurance Agent

Shelly Hefley · Answer

Not having a good agent that will help you choose the right plan for you. It seems easy but I speak with new folks daily that had no idea and are now paying the price for listening to someone who isn’t licensed and really doesn’t know.

Answered by Shelly Hefley on August 6, 2025

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

Answered by Shelly Hefley Medicare Insurance Agent

Gregg Matheny · Answer

Trying to save money upfront by going with an advantage plan rather than taking time to do research. Another big regret that I have come across is the decision to opt out of an RX plan, which can be costly down the road. Medicare keeps track of the number of months that you don’t have RX coverage, and then down the road when you do get coverage Medicare will multiply that number of months by the average base premium of your states RX plans, that number then get multiplied by .01 and then you have the monthly amount that will be added on to your RX coverage for life.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

Making sure they have a plan that fits. Medicare is not a one-size-fits-all program so it's important to take the time to speak with an independent agent who can compare and contrast the numerous plan options.

Answered by Clarence "Mark" Christiansen on March 26, 2025

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

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Vincent Murray · Answer

Taking advice from facebook or from people who aren't licensed Medicare agents can be very harmful. Having just Medicare A and B leaves you unprotected for major procedures. Part A has a $1639 deductible then your 20% kicks in and Part B has a $257 deductible. Also there is no Maximum on just original Medicare. 20% of $200,000 is $40.000. Choosing a Medicare supplement is where your pay up front for coverage and besides a $257 deductible you would have no bills. All Medicare advantage plans have a Maximum out of pocket limit. Meaning after you hit that maximum, your co pay would be Zero for the rest of that year.

Answered by Vincent Murray on August 26, 2025

Agent Licensed in ME, FL & NH

Answered by Vincent Murray Medicare Insurance Agent

Nick Mangini · Answer

Most people have buyers remorse after being misled into getting an Advantage plan when they are 65 and healthier and then they realize that the Advantage plan does not provide the best coverage and they find themselves scrambling to try to get a Supplement Plan, only to find out that they have to be healthy enough to pass health underwriting questions in order to get approved for a Supplement Plan. MOST people cannot pass health underwriting and usually are denied! Do not get Advantage Plans regardless of how healthy you think you are!

Answered by Nick Mangini on August 27, 2025

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Brian Moore · Answer

From what I’ve observed, many people later regret choosing Medicare Supplement plans, paying steady premiums in their healthier, younger years regardless of whether they use medical services. They often say they’d rather have that money back—typically far exceeding what they’d spend on Medicare Advantage copays down the line—since those early costs feel wasted when they’re not tapping into care. It’s a common frustration, especially for those who stay active and well into their 70s, realizing they overcommitted financially too soon.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

By making a fast decision without checking IF their doctor is in network, depending on someone else for advice, signing up without truly understanding what their plan is/co pays/ any costs/ benefits

Misty Bolt · Answer

Hi, I'm Medicare Misty, and I'm licensed in 45 states. What's one Medicare decision that too many people regret later? In my experience, I've been doing Medicare for over 20 years now. The most common decision people make and regret is thinking that COBRA is credible coverage. If you're eligible for Medicare, COBRA is not credible coverage. A lot of people make this mistake, and you end up getting a 10% penalty each year that you didn't take Medicare when you were eligible. So don't let that happen.

Donnie Vermillion · Answer

The decision to not go with a Medicare Supplement plan during your guaranteed issue period, the six month period that starts the month you turn 65. 

Or the decision to not go with a Medicare Supplement when you are younger and healthy enough to pass underwriting may be a decision that could be regrettable.

Michelle Sparks · Answer

Many seniors express the regret over not enrolling in Part B when they first become eligible. Part B covers outpatient care, preventive services and some medical supplies. Some individuals also face penalties for late filing, which can also increase their penalties when they do later enroll in Part B. This is why it is important to get educated prior to your 65th birthday. Knowing what Original Medicare (Part A and Part B) cover, as well as understanding the gaps in coverage is key to making an informed decision about whether to go with a Medicare Advantage or a Medicare Supplement plan. Don't leave your healthcare to chance... call a professional Medicare Broker.

Answered by Michelle Sparks on August 18, 2025

Broker Licensed in KS, AR, FL, MO & TX

Answered by Michelle Sparks Medicare Insurance Agent

David Wiley · Answer

Not utilizing an agent in making their decision in selecting their Medicare coverage. This can be an extremely costly mistake. Agents charge no fees but offer a wealth of experience and knowledge about plans meeting a client’s needs.

Answered by David Wiley on March 25, 2025

Broker Licensed in GA & NC

Answered by David Wiley Medicare Insurance Agent

Robert Lukasik · Answer

Not taking the time to meet with an independent agent to go over plans. Many just choose the plan a friend or family member has it it ends up not working for them and costing them more money. Everyone’s situation is different and even the smallest difference can cost money that could have been avoided.

Answered by Robert Lukasik on September 18, 2025

Broker Licensed in NY, FL & PA

Answered by Robert Lukasik Medicare Insurance Agent

Ravi Natarajan · Answer

Unfortunately, there are several... Not making sure that their Medicare Advantage Plan accepts their Doctors. Not making sure that their drugs are in the formulary of the plan they chose. Not getting on a Prescription Drug Plan when they are required to and facing lifelong penalties. Unable to get on to a Medicare Supplement Plan down the road, as they cannot pass underwriting in states where these plans are underwritten after the initial Guaranteed Issue period.

Answered by Ravi Natarajan on January 12, 2026

Broker Licensed in MA, AZ, CA & 12 other states

Answered by Ravi Natarajan Medicare Insurance Agent

Edward Wooten · Answer

If you are still working, deciding to join or delaying Medicare can be a big decision. There are a few factors that can come in to play if you are thinking about delaying. Be proactive and contact an agent to help you avoid making a costly mistake.

Answered by Edward Wooten on June 23, 2025

Broker Licensed in IL & MO

Answered by Edward Wooten Medicare Insurance Agent

James Hale · Answer

The most common regrets I hear from folks who’ve been on Medicare for a while:

*Missing the initial guaranteed-issue period for Medigap

*Delaying a supplement plan can make it unavailable or much more expensive later — and they’ll ask about your health.

*Signing up late for Part B or Part D (This triggers lifelong penalties that never go away.)

*Picking a plan just because it has the lowest premium (It often ignores total costs, coverage gaps, doctor networks, and what happens when you actually get sick.)

Bottom line: your Medicare choice should consider your health today AND in the future — not just today’s cheapest price.

✅ Review everything carefully during your Initial Enrollment Period (around age 65).
✅ Compare Original Medicare + Medigap + Part D vs. Medicare Advantage plans.
✅ Talk to an independent advisor (not one who only sells one company’s plans).
✅ Check your plan every year during Open Enrollment (Oct 15 – Dec 7) because plans change.

Mitch Anderson · Answer

Too many people try to find the best "deal". There is no best deal, this is a long term decision and requires a thoughtful conversation to make a good decision.

Mitzi Davis · Answer

Many do not realize that they will be penalized if they do not take Medicare Part B and D when having no other creditable coverage after age 65.

Bill Green · Answer

One Medicare decision too many people regret later is not considering a Medicare Supplement plan when they first become eligible. At that point, you're usually in what I call a "get out of jail free" window, meaning you can get a plan with no health questions asked. But if you wait and try to enroll later, you may have to go through medical underwriting—and could be denied based on your health. Some people start with a Medicare Advantage plan to save on monthly premiums, only to find out later that their out-of-pocket costs are higher than expected or that their preferred doctors aren’t in-network. By then, switching isn’t always simple. That’s why it’s so important to look at your long-term health needs and not just what seems cheapest upfront.

Answered by Bill Green on March 26, 2025

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

Answered by Bill Green Medicare Insurance Agent

Mariela Arana · Answer

I have seen many people regret looking more at extra benefits and not paying enough attention to the actual medical coverages. I am here to get to know my clients and their needs. Unfortunately, some people many in impersonal settings do not care and just look to close deals. I would say developing a relationship with your agent is crucial and removes regret.

Answered by Mariela Arana on August 1, 2025

Agent Licensed in CA, AL, AZ & 8 other states

Answered by Mariela Arana Medicare Insurance Agent

Ezel McIntee · Answer

One Medicare decision many people regret is delaying or skipping a Medigap (Supplement) plan when they first become eligible. Waiting can lead to higher premiums or denied coverage later due to pre-existing conditions, leaving them with fewer options and more out-of-pocket costs than if they had enrolled on time.

Answered by Ezel McIntee on October 30, 2025

Broker Licensed in OK

Answered by Ezel McIntee Medicare Insurance Agent

Dino Pappadis · Answer

Enrolling in a plan that is not suitable for your needs.  That is why it is important to do a due diligence and work with a local Agent or Broker

Michael White · Answer

Not speaking with an advisor sooner. Many people are so overwhelmed that they just enroll without knowing what they should do or what plan is best for them.

Tyler Haskell · Answer

Believe it or not, but I still run into far too many people not doing anything other than Medicare A and B when they first turn 65.  That can be a costly mistake.  If you don't do a Part D plan when you first become eligible, when you get one later, you will be penalized for all the time that you didn't have one.  The penalty can be a life time penalty (ouch).  

Also, if you are just on original medicare A and B, you are exposed to some very hefty out of pocket deductibles and you could be on the hook for 20% of unlimited health costs.  

Even if you can't afford a medicare supplement, most people have access to medicare advantage plans for $0 extra cost that at least get you part D coverage and limit your risk of out of pocket expenses.

Renee Brown · Answer

Choosing the right Medicare plan can be very confusing. Going on the internet and doing a lot of research can cause a lot more confusion without answering the questions people may have. To me the biggest mistake a customer can make is by going strictly off of the internet, or their neighbors and friends. Their needs may not be the same as the neighbors, or friends and their doctors and medications will probably be different therefore those peoples plans may not work for them. Customers really need to sit down with a reputable broker that works with all the plans to help them sort through all plans that are offered in their area that work best for their needs, both Medicare Advantage and Supplemental. Medicare Supplemental plans may seem the best and the internet and others may be pointing them to that, but not everyone can afford a Medicare Supplement, therefore they need the best Medicare Advantage for their doctors, their needs and their medications. They also need an agent that they can count on to answer their calls the same day when they have a problem, or question, rather than 2-3 days later.

Answered by Renee Brown on March 25, 2025

Broker Licensed in FL, AL, AR & 32 other states

Answered by Renee Brown Medicare Insurance Agent

Marc Rheingold · Answer

They originally enrolled into a Medicare Advantage Plan and after 12 months they wanted to switch back to original Medicare and purchased a Medicare supplement. Due to health issues, they were not able to qualify for a Medicare supplement here in Florida

Answered by Marc Rheingold on October 20, 2025

Broker Licensed in FL, MI, NC & SC

Answered by Marc Rheingold Medicare Insurance Agent

Nathan Danovski · Answer

One Medicare decision that many people regret is failing to review their plan for the upcoming year. Each September, the Medicare Advantage companies send out the annual notice of change or "ANOC" letters to their members. Too often, people do not open these letters, and therefore, they fail to review the potential impact of these changes on their plan. I advise all my clients to schedule a quick review during the Annual Enrollment period (October 15 - December 7) to ensure they are still on the best plan for their healthcare needs.

Answered by Corey Schuler on June 3, 2025

Broker Licensed in TX, AL, AR & 10 other states

Answered by Corey Schuler Medicare Insurance Agent

Michael Brady · Answer

Most of my clients regret not having enough information about Medicare when making their decision, like the difference between Medicare supplements and Medicare Advantage plans. Knowledge is power when making an informed Medicare decison.

Answered by Michael Brady on March 25, 2025

Broker Licensed in Ut, AL, AZ & 6 other states

Answered by Michael Brady Medicare Insurance Agent

Charles Boone · Answer

One Medicare decision that I’ve seen clients regret later is being dismissive of Medicare Advantage Plans based on old information.

In the past Medicare Advantage Plans have had many negatives and compromises as compared to Original Medicare in conjunction with a Medicare Supplement Plan and a Standalone Prescription Drug Plan. 

However, over the last several years, Medicare Advantage Plans have addressed many of the compromises and with the additional benefits these plans offer, they present a compelling value. 

Lastly, when you take into account the cost of Original Medicare in conjunction with a Medicare Supplement Plan and a Standalone Prescription Drug Plan, and then you compare that cost as well as the value to a Medicare Advantage Plan, most people tell me they spend less money out-of-pocket and receive more benefits by being on a Medicare Advantage Plan in my experience.

Mark Michael · Answer

Receiving Medicare and not enrolling in additional benefits. 
Unless you have additional coverage you need to have the part D-drugs or you build up a penalty.  In addition, without additional coverage to your part, A&B your left with at least 20% on medical and deductibles on hospital charges.  Which can be quite substantial.  
The two most common choices are either a Medicare advantage plan or a Medicare supplemental plan along with a separate part D drug plan.

Corey Schuler · Answer

One Medicare decision that many people regret is failing to review their plan for the upcoming year. Each September, the Medicare Advantage companies send out the annual notice of change or "ANOC" letters to their members. Too often, people do not open these letters, and therefore, they fail to review the potential impact of these changes on their plan. I advise all my clients to schedule a quick review during the Annual Enrollment period (October 15 - December 7) to ensure they are still on the best plan for their healthcare needs.

Answered by Corey Schuler on June 3, 2025

Broker Licensed in TX, AL, AR & 10 other states

Brittany Stickney · Answer

Medicare Advantage plans. I don’t say this because they are inherently bad, I say this because historically, they are not sold responsibly. Most people are only told the “cool” things: no premium, covers dental, includes a gym membership.

Most people aren’t told about constant plan/network changes, possibly losing coverage, high out of pocket costs (including paying 20% for chemo and dialysis). I have explained Medicare the same, non-biased way to every single person for 9 years. 100% of the time, my clients tell me they want Original Medicare. I have never had someone see both sides and choose Part C (Medicare Advantage) for any reason other than they can’t afford a supplement premium (or they have Medicaid).

That said, all you need is to understand your plan. You might be okay with a higher premium or deductible than your neighbor would be. As long as it works for you and you know how to use it, it’s effective.

Steven Silverthorn · Answer

This is a great question, but very hard to answer because Medicare coverage is personalized based on your current situation and the state you live in. 
The most common answer you will most likely see is choosing a Medicare Advantage plan over a Medicare supplement plan but there are different rules with regards to underwriting based on the state you live in.

William Kravit · Answer

They are working and covered by a large group when they turn 65 and someone says: "You need to call Social Security and sign up for Medicare. They do that. Years later when they are retiring and referred to me, I see that they had enrolled in Medicare Part B and paying the premium all this time when they didn't have to because the group plan stays primary coverage and Part B is not necessary.

Answered by William Kravit on March 25, 2025

Agent Licensed in WI, AZ, CO & 9 other states

Answered by William Kravit Medicare Insurance Agent

Ja&#039;el Michael · Answer

Many who don't take medications decide to wait to get prescription drug coverage when they start with Medicare. The problem they face later is, there is a penalty for not having credible prescription drug coverage after having medicare for 63 days. That penalty grows the longer you go without drug coverage, and you only feel it when you want to enroll in drug coverage again. That penalty is added on to every premium for the rest of your life, unless you have special circumstances like Low Income Subsidy's.

Answered by Ja'el Michael on June 9, 2025

Agent Licensed in TN & NV

Answered by Ja'el Michael Medicare Insurance Agent

Jose Solis-Flores · Answer

One Medicare decision that too many people regret later is not enrolling in a Medigap (Medicare Supplement) plan when they were first eligible.

Here's why:

Guaranteed Issue Rights:
- When you first become eligible for Medicare Part B, you have a guaranteed issue right for Medigap plans. This means insurance companies cannot deny you coverage or charge you higher premiums due to pre-existing health conditions.   

Later Costs:
- If you delay enrolling in a Medigap plan and develop health issues later, you may find it difficult or expensive to obtain coverage.
- Insurance companies can then use medical underwriting to deny coverage or charge significantly higher premiums.

Mark Slemons · Answer

I've seen employers offer an employee retirement incentives that included the employer paying for COBRA for a portion, or the entirety, of the 18-month term if the employee agrees to retire. When a person takes this offer, but they are already 65 or older, Medicare does NOT view this as creditable coverage. What the individual expected to be a benefit, turns out to be a regret because Medicare penalizes them for the rest of the time they are on Medicare. This could have been avoided had they spoken to a trusted advisor prior to making the decision. It's important to understand the impacts of decisions related to Medicare!

Answered by Mark Slemons on March 5, 2025

Broker Licensed in AZ, AK, AL & 17 other states

Answered by Mark Slemons Medicare Insurance Agent

Nina Pastuhov · Answer

Some people do not check out all of the plans that are available to them - well, not all, but they just go with a single plan that the agent recommends, when there might be another that is more suitable, especially when it comes to looking at their Rx.

Answered by Nina Pastuhov on August 21, 2025

Agent Licensed in TX, FL, NC & OH

Answered by Nina Pastuhov Medicare Insurance Agent

Caitlyn Hartmann · Answer

They don't review all their options and talk to an agent. Too often, people listen to a neighbor or friend instead of seeking the advice of a professional. TIG has helped people nationwide with Medicare for more than 3 decades. We focus on education and service, not sales. We are 99% referral and never pressure anyone. Because we are independent, we can offer lots of companies and plans. We don't have to put everyone in the same thing. We do not charge for our services.

Answered by Caitlyn Hartmann on March 6, 2025

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

Answered by Caitlyn Hartmann Medicare Insurance Agent

Brittney Brock · Answer

One Medicare decision many people end up regretting is not fully understanding the differences between Original Medicare with a supplement and Medicare Advantage. Instead of taking the time to educate themselves, they often rely on appealing advertisements they receive in the mail, which leads to choices they may not fully comprehend.

Answered by Brittney Brock on March 25, 2025

Broker Licensed in AZ, FL, IA, SC & UT

Answered by Brittney Brock Medicare Insurance Agent

Ryan Fadness · Answer

Many clients don’t take the time to really consider the differences between Medicare supplement and Medicare advantage options. Both can be great options and a good fit, it’s a great idea to utilize a broker to educate yourself on which is the better fit for you.

Answered by Ryan Fadness on March 25, 2025

Broker Licensed in WA, ID & OR

Answered by Ryan Fadness Medicare Insurance Agent

Steven Bleicher · Answer

Not having chosen the best plan “for your health” rather than the least expensive healthcare program. Skimping on your health is foolish. You have only one life to live and if you prefer that it continues for as long as possible, then the above principle must always apply!

Answered by Steven Bleicher on May 23, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Waiting to long to enroll in Medicare Part B and getting accessed a penalty.  If you choose not to keep Part B, however decide you want it later, you may have a delay in getting Medicare Part B coverage because you can only sign up at certain times. Get advice. Please use a Broker.

Source: Medicare & You 2024.

Leslie Kaz · Answer

One of the biggest regrets people have is choosing a plan without fully understanding how it fits their doctors, prescriptions, and future needs. Many pick based on the lowest premium or a friend’s recommendation, only to find their doctor isn’t covered or their medications cost more. Medicare isn’t one-size-fits-all — it’s personal. Taking time to review your options with a trusted Medicare agent can save you frustration, money, and coverage headaches later.

Answered by Leslie Kaz on October 27, 2025

Agent Licensed in CA, AL, AZ & 7 other states

Answered by Leslie Kaz Medicare Insurance Agent

Michael Pyers · Answer

Signing up for an advantage plan and then becoming ILL.  The out of pocket costs are sometimes staggering.  In fact we have had clients call the Disadvantage Plans!

Barbara Barnes, CMIP® · Answer

I have been working in the Medicare market for more than 20 years, and in that time I have had no client come to me and regret their choice to go into a Medicare supplement based on claims payment. I have had many Medicare Advantage clients come back to me and wish that they had gone with a Medicare supplement because their claims have become extremely expensive or they have found their treatment options to be limited by their insurance company. 

My job is to educate my clients so that they can make the best decision for themselves. I do not push one option or the other. Every situation is different and every person faces a different path in pursuit of wellness as they age. Once that decision is made, my job changes to supporting that individual as they age and use the program that they’ve chosen. Sometimes, as a client ages and changes their mind about their plan, it is possible to help them move into a Medicare supplement, but most times the reason they want to make the change is because they are already sick. Once you have a diagnosis, it’s very difficult to move into a Medicare supplement plan and pass the medical underwriting process.

Walt Smith · Answer

Many seniors regret not sitting down with a professional to explain different options available when they start a Medicare.  
Many professionals will help seniors with their decision at No Cost to the senior.

DeeDee Whitlock · Answer

Enrolling in Part B while still enrolled in an employer group plan, or taking the least amount of coverage thinking they were going to stay healthy & had a serious illness they were not prepared for

Leslie Helene Sussman · Answer

Not understanding all the options initially when new to Medicare.     A Medicare Broker can be your advocate to making sure all is set up correctly.    When a Medicare beneficiary is new to Medicare and continues to work and still have employer benefits and does not need Part B.  

I have had members that paid Part B premium while still keeping employer work benefits.

Michael Yost · Answer

That they did not enroll in a Medicare plan sooner. They stayed on their employer insurance when they could have switched to a Medicare plan, while working, and got better insurance coverage and saved $$.

Answered by Michael Yost on April 14, 2025

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

Answered by Michael Yost Medicare Insurance Agent

Marnie Applegate · Answer

Choosing a plan without understanding the downsides of Medicare Advantage plan as compared to a medicare supplement plan - for example network restrictions and pre-authorization rules

Diana Salisbury · Answer

Not paying attention when they turned 65 and should have signed up for prescription coverage.  This would be in a stand along prescription Part D or embedded in an advantage plan.

David Silver · Answer

They choose plans based on extra benefits and are not focused on the health and drug coverage components.

Anna Davis CIC-RSSA · Answer

One Medicare decision that many people regret later is not enrolling in a Medicare Supplement (Medigap) plan and a stand-alone Part D drug plan when they’re first eligible during their Guaranteed Issue (GI) window. This is especially true for individuals with multiple or chronic health conditions. During that initial period—typically the six months after you turn 65 and enroll in Part B—you have a unique opportunity to get a Medigap plan without medical underwriting, meaning you can’t be denied coverage due to pre-existing conditions. If you miss that window and try to enroll later, you may be declined or charged more. Medicare Supplements offer the freedom to see any doctor nationwide who accepts Medicare, with minimal out-of-pocket costs for services. In my experience, if someone can afford the premiums and they need frequent medical care, starting with a Medigap plan from the beginning is a decision they’re far less likely to regret.

Answered by Anna Davis CIC-RSSA on August 6, 2025

Broker Licensed in CA

Answered by Anna Davis CIC-RSSA Medicare Insurance Agent

Mal Varlack · Answer

Some people are healthy at 65 or retirement from the workforce and decide not to enroll in a Part D prescription drug plan because they don't take any meds....... at that time. The problem with that is that later on in their retirement when are starting to take medications is that they are faced with a Late Enrollment Penalty added to their monthly Part D premium.

Answered by Mal Varlack on June 3, 2025

Broker Licensed in FL, AZ, GA & 11 other states

Answered by Mal Varlack Medicare Insurance Agent

Brian Kulis · Answer

By not choosing a Medicare Supplement when they are first eligible during their "guaranteed issue" period. Later down the road, a customer may not qualify for a Medicare Supplement due to health issues.

Answered by Brian Kulis on August 8, 2025

Broker Licensed in AR, AZ, LA & MO, OK, TN & TX

Answered by Brian Kulis Medicare Insurance Agent

Aaron Solomon · Answer

A client sometimes worries more about the extra benefits, The most important things are
your doctors in network, hospital in network, and the drug formulary. These items are the most important details to a great plan for you,

Sagrario &quot;Sage&quot; Dyer · Answer

Too many people have said that that they wished they would have spoken to a licensed, independent Medicare agent before making a decision to sign up for Medicare, and a Medicare plan.  Many beneficiaries hear about the part B premium and automatically refuse to sign up because they don't want to pay it and they end up getting a penalty.  Too many people do not know they have to have a Part D plan or that there are $0 plans that check the box, and end up getting a penalty.

Donald Elliott · Answer

The only Medicare decision regret I have felt with is not asking enough questions before changing plan types.  I personally will not sign a person up for a plan until they are fully aware of restrictions, especially network coverage.  Make sure you know your preferred providers are in network, know the cost of going out of network, and pharmacy benefits before you make any decision.

Carolyn Duncan · Answer

People often regret not getting all the information about all the options and what happens later when they want to make a change. Also, many people get various information from friends and medical providers that are not accurate or not the complete story.

Heidi Delaney · Answer

Enrolling in one plan and staying with it year after year.  It is important to review your plan changes, compare your plan with other plans and make a good choice for you.  Your insurance carrier is not loyal to you; why should you stay with something that doesn't give you the best benefits at the lowest cost?

Nicholas Ryckert · Answer

A common Medicare mistake is skipping the Medicare Supplement (Medigap) plan initial guaranteed issue window. Missing this can mean denial of coverage later or facing medical underwriting, leading to higher costs and fewer provider options.

Bruce Kern · Answer

Choosing a plan because their friends chose the same plan and it wasn't the right plan for them. Weather it was a Medicare Advantage Plan or a Medicare Supplement with a RX Drug card

Joseph Ford · Answer

Not,speaking to a Medicare brocker to help them enroll in the correct coverage for their personal situation

Shawn Ray · Answer

One Medicare decision too many people regret later is choosing a plan based only on the lowest monthly premium instead of their total annual costs.  Many people don’t realize that deductibles, copays, provider networks, and drug formularies can dramatically affect what they actually pay throughout the year — especially if their health changes or they need specialists or expensive prescriptions.

Joshua Ruiz · Answer

Not filling the gaps in coverage when first eligible for Medicare.  Drug even if on no medication is important to have from the beginning to avoid penalties! Another mistake is people not having the proper guidance on comparing Medicare Advantage to Original Medicare.

Elayne Cotton · Answer

The one that I'm most familiar with is from an individual who is very healthy and not taking any medications.  They think because they don't take prescription drugs that they don't need to purchase a Part D stand-alone prescription drug plan.  
Unless they have been educated on the rules around Part D, they become subject to a lifetime penalty due to not enrolling into Part D when they were first eligible.

Cori Richerson · Answer

People regret not educating themselves first. They make a decision based on too little information and then they get stuck and cannot change due to health reasons or enrollment periods.

Joanna Gebhart · Answer

Not taking out PartD which causes lifetime penalties and delaying part B which also causes penalties

David Ghiorso · Answer

They choose price (saving a few pennies) over the medical group they want to actually received medicare through. They get caught up in "shiny object" benefits instead of quality of care, via the medical group.

James Schneider · Answer

Looking at price as the deciding factor in their plan decisions and not getting professional advice.

Tammy Chase · Answer

Most people regret not using an agent to explain the choices available to them. They allow their friends and family or even their doctor to make that decision for them.

William Pierce · Answer

Many people that take a Medicare Advantage plan regret not taking additional protections against the inpatient hospital copays later. Those costs can be hundreds of dollars per day for days, I advise all my clients to protect themselves against these charges with an Indemnity plan that can cover these charges, and may include a lump sum cancer benefit as well in the event they get diagnosed.

Daniel Greer · Answer

Using a telemarketer that isn't local or that is unknown and (as a bonus) taking advice from someone that isn't a licensed professional, i.e. a friend, neighbor or family member. Everybody has different want, needs, budgets, medications, etc. I strive to find you a plan that fits you like a glove.

Jim Kreibich · Answer

Not educating yourself on the differences between original Medicare and Medicare Advantage. This decision could save you or cost you a lot of money further down the road.

Fred Manas · Answer

Not choosing additional coverage through Medicare Supplements or Medicare Advantage or Drug coverage plans when you are first eligible. The results can be penalties, delay or denial of coverages, and the penalties can last the rest of your life.

Vachik Chakhbazian · Answer

not reviewing their Medicare plans, particularly drug coverage, annually during the Annual Enrollment Period. Drug manufacturers can change their prices and how they are covered by plans, and this can significantly impact out-of-pocket costs.

Gary Henderson · Answer

Well, the first one is getting a Medicare advantage plan because they think it's great as long as they're healthy and they're paying a $0 premium and the perks aren't as good as they claim to be. Especially the dental plan is very limited, but the most important thing is if they get seriously ill like have a long-term cancer illness. They're hitting that Max out of pocket amount which is somewhere between $5 and $10,000 every year 

Alternatively, if you chosen a Medicare supplement also known as a medigap plan, the most you're going to pay out of pocket is the annual part b deductible which this year is $257 and then everything's covered at 100%. 

A little cheaper planned with plan n what I just described was g above plan n you pay less monthly premiums but you're willing to pay a $20 copay for a doctor. Visit $50 copay for an emergency room visit and the very very rare excess charges which is 15% which you probably would never encounter.

Meghan Blankenship · Answer

One of the most commonly regretted Medicare decisions is missing the opportunity to buy a Medigap (Medicare Supplement) policy during the initial enrollment period. This can lead to higher out-of-pocket costs and limited access to coverage later on.

Carol Thompson · Answer

One decision that people regret later is to NOT consult with an insurance consultant. As plans can change from year to year; your agent can guide you on whether your plan will be the best plan based upon on your needs. Having an agent guide to you is a FREE service. 

I hear often from beneficiaries that they did not know their Dr was no longer taking their plan or why did my medication cost change. 
Plans and contracts can change yearly.

Jack Mayer · Answer

Not taking Part D  because it's a lifetime penalty that will add up over time so therefore even if you don't take any meds you should opt in and avoid penalties if you don't have credible coverage through an employer group health plan assuming you are Medicare eligible. Consult a professional like myself to make sure you are doing the right thing

Carol Conner · Answer

Not reviewing plan annually or not having anything in place to cover  long term care which Medicare does not cover. Getting help from a licensed agent can save people time and money .

Antonio Rodriguez · Answer

One big Medicare decision people often regret is not fully understanding their choices when they first enroll — especially picking a plan based only on a low premium.

Later on, they realize their doctors aren’t in-network, their prescriptions cost more than expected, or switching plans isn’t as easy as they thought. Taking a little time up front to compare options can save a lot of frustration down the road.

Ben Washington · Answer

What's one Medicare decision that too many people regret later?  Paying for part B when they did have too because they covered by spouse or retirement plan.

Julie Thompson · Answer

I feel some people regret going straight to a MAPD plan without truly considering their future health.  The advantage of the Medicare Supp is that true freedom to go to any doctor/hospital that accepts Medicare even if it costs more.

Cheryl Lyons · Answer

Choosing a Medicare Advantage plan without understanding how hard it can be to leave later

Here’s why this trips people up 👇

Why Medicare Advantage looks so appealing at 65

$0 or low monthly premium

Extra perks (dental, vision, gym, OTC cards)

Simple, “all-in-one” coverage

At first glance, it feels like a no-brainer.

The regret usually shows up later

As people age or their health changes, they realize:

Their doctor network is limited

They need prior authorizations for tests or procedures

Out-of-pocket costs add up during a bad health year

A specialist or hospital they want is suddenly out of network

So they decide, “I’ll just switch to Original Medicare and get a supplement.”

Here’s the part no one explains clearly

After your one-time Medigap open enrollment window (the 6 months after you enroll in Part B):

Most states allow medical underwriting

Pre-existing conditions can cause denial or higher premiums

Some people can’t get a supplement at all

That’s where the regret comes from—not the Advantage plan itself, but not knowing the exit rules.

The takeaway (this is the golden rule)

The most important Medicare decision isn’t what you choose at 65—it’s what flexibility you want at 75.

How to avoid this regret

Before enrolling, ask:

If my health changes, can I switch without underwriting?

Do I value lower monthly cost now or predictable costs long-term?

How often do I see specialists or travel?

Neither path is “wrong”—but going in uninformed is what people regret.

Toni Chavez · Answer

My clients rarely have regrets when it comes to their Medicare coverage — and that’s because I check in every year, do a full need review, and help them make changes if needed. It gives them peace of mind knowing they’re still in the right plan and fully covered.

That’s the value of working with a broker — and the best part? My help doesn’t cost you a thing.

A lot of Medicare beneficiaries don’t even realize they have access to an experienced, local broker (like me!) who can walk them through all the confusing parts of Medicare. I’m here to make it simple and make sure you’re protected.

If you do have regret, you have the option every Annual Enrollment or Open Enrollment to enroll in a new plan if you are on a Medicare Advantage Plan.  

Hope this answers your question.

Be Well,
Toni Chavez
Medicare Broker

John Motsinger · Answer

Staying on employer health insurance instead of going on medicare when they turned 65 is the biggest regret most my clients

Andre Cabral · Answer

A: Not having asked for a licensed agent's help, facing such a complex maze by themselves, without proper education, considering the great importance of that step.

Glenn Alterman · Answer

It’s possible that they wished they’d have signed up for a Medicare Supplement instead of an MAPD plans

Dominic Javier · Answer

One Medicare decision that many people regret later is delaying enrollment in Medicare Part B when they first become eligible. This can lead to significant consequences for beneficiaries, both financially and in terms of healthcare access.

Bud Griffin · Answer

Not visiting with a reliable Medicare Sales agent foce-to-face instead of finding a plan online or over the phone.

Kevin Chaikin · Answer

Not opting for guaranteed coverage when eligible and then facing underwriting later.  Don't make decisions that are short-sighted.

Claudia Englert · Answer

Too many people answer their phones to those Call Centers, answer some questions & the next thing they know they’re enrolled in a plan that their doctors are not in &/or their drugs are not covered. My advice is to not answer your phone unless you know who it is. If it’s important, they will leave a message. Also, if a Call Center calls you & you’re on the Do Not Call List, report them to the FCC & they’ll receive a $10,000. fine per violation. It’s against guidelines for them to call you without your permission.

Kris Neupauer · Answer

Thinking strictly with their pocket book and ignoring health issues.  The first thing that needs to be assessed is your health and then finances.  When you do that, you will make a much more informed decision.

Chauncey Bragg · Answer

Signing up for the wrong plan. Either on their own or because the person helping them did not ask the right questions.

Raid Alemam · Answer

Choosing Medicare advantage plan with low premiums with out knowing and understanding benefits and limitations

Sean Macbean · Answer

Many people do not select Medicare Part B because of initial cost and health. 

However, in the long run it costs them more:

A. Unable to change Medicare plans, because it requires both Parts A&B.

B. Latter in life the services required without Part B, are then treated as " out-of-pocket costs, and can be extensive. 

Do yourself a favor and sign up for both Parts A& B, in the long run, you'll be glad you did.

Ross Landon · Answer

Failing to sign up for part D of Medicare, prescription drug coverage when eligible to do so!  Some seniors feel that if they are not taking any prescription drugs, they do not want to pay for nor need part D, but then they find out a couple of years later about the penalty of one percent per month that will be charged retroactively if you are not on a qualified Rx plan.  

 When  they finally do need prescription drug coverage, they find the penalty is never removed unless you appeal with a very good reason for not enrolling!

Jason Marshall · Answer

Not getting credible coverage during their designated time periods. Those penalty costs follow the member forever and they can be costly.

Russell Scott · Answer

One decision that too many people make and regret later is not enrolling in a Part D benefit before they "need" it.   Typically, this leads to unnecessary late enrollment penalties and possibly even a serous gap of time where you are purchasing an expensive prescription without any coverage before you can enroll in a plan.  It's possible to take care of your Part D coverage for little to no premium.  Consider enrolling in Part D as soon as you're eligible for Medicare.  There's two times in life when you'll think about it:
1.  When you're enrolling in Medicare
2. When it's too late

Lori Marion` · Answer

Over my years of working with Medicare beneficiaries,  the biggest regret i see people making is not taking advantage of benefits they were entitled to. Many people do without things they could have gotten taken care of through their Medicare benefits. A good agent will work with you to make sure you're applying for any additional savings or benefits you quality for. They will also educate you on how to utilize the benefits to get what you need.

Rene Apack · Answer

Definitely, a Medicare decision that many people later regret is not to review either their Prescription Drug Plan or their Medicare Advantage plan. They find that once they enter a new year, their costs of medications are too high, or their doctor is no longer accepting their plan.

Elizabeth Henderson · Answer

This is a loaded question.  I have heard that what people regret in some cases is that they didn't know about Medicare Advantage plans and were told about only Medigap plans, when they would have preferred to have been in a Medicare Advantage plan had they known about them.  Some of us are licensed for both.  I can speak to both so I will.  The alternate regret I have heard is that people enrolled in a Medicare Advantage plan and didn't realize they couldn't switch to a Medigap plan later without underwriting (the 'trap').  It ultimately comes down to what you need and want in a healthcare plan.  Consider what you want to do in your elder years and in your 'no go' years... where will you be?  Your agent should have discussions with you about these things because it will shape which type of plan is right for you.

Velvet Ohlen · Answer

Great question.  One Medicare decision that too many  people regret later, is having proper supplemental coverage to help offset the out of pockets expenses. As well as, not taking the Annual Enrollment Period seriously. You should review your plan with an agent to make sure you are in the right plan.

Robert Rowe · Answer

The biggest regret I see in the field is from clients that switch their plans over the phone and have no idea of their drug cost will be covered or if their doctors are in network and they don’t even have an agent or broker to call/text if they have questions.

Glenn Soucek · Answer

What is the one Medicare decision that many seniors later regret? Many seniors do not fully understand their deductibles, co-payments, and out-of-pocket expenses related to their Medicare plans.

Kevin Johnson · Answer

The most regretted Medicare decision is choosing a Medicare Advantage plan and later realizing you cannot switch back to Original Medicare with a Medigap policy if your health declines

Debbi Wallace · Answer

The biggest one is not signing up for Part D as soon as it is available.  The penalty for not signing up is quite stiff.

Jamie Herrick · Answer

Not having part D coverage when they turn 65. Even if you’re not taking any medications you still have to have this coverage to avoid penalties!

Hector Vazquez · Answer

Not choosing a Medicare Supplement during the guaranteed issue period and wanting to join later to find out they don't meet the underwriting criteria.

Christopher Stewart · Answer

Enrolling in the first plan they look at. There are a lot of great plans with a lot of rich benefits, however, before you enroll in a plan it is important to review all of your options, and there are plenty.

Daniel Keane · Answer

A Medicare decision most people will regret later is not signing up for Part B and Part D in a timely manner. Many people regret not contacting a certified professional to advise them on how to design Medicare solutions.

Linda Bolan · Answer

There are a couple that come to mind, but I do often hear that they wished they talked to Broker before signing up.  Medicare is confusing and often they did not know about options or penalties.

John Stagner · Answer

Not getting a Medicare Supplement when they were healthy. Or not getting one during their initial 6 month window, when health questions aren’t asked.

Tony Carlton · Answer

Excellent question! Thank you for the opportunity to share my experience of how the Medicare program works when the "rubber meets the road". Two things that I consider above all is the 'Star Rating' of a Medicare Advantage company and Maximum Out-of-Pocket {MOOP} of their specific plan.
The Star Rating is given annually by the Medicare Beneficiaries who have lived that plan. They rate the plans benefits, services and networks. And the rating is from 1 - 5 Stars. A company must maintain a 3 Star rating or above to operate in a service area. If the rating drops to 2.5 for 2 consecutive years that company cannot do business in that service area.
Also, companies that strive for 5 Stars and they may not achieve that goal but those companies tend to deliver better services and doctors than those who hover around 3 Stars.
So, while you may hear your neighbor rave about his or her monthly 'Food Card' benefits, ask about the Star Rating. And while you're at it, ask about how much their plan can cost on an annual basis. This number is their MOOP. This can vary greatly from plan to plan. So, those plans that offer great ancillary benefits tend to have higher MOOP's. And that is a cost that you will here about as a complaint. But with the help of an independent agent, you can avoid many of these pitfalls.
Thanks again and God bless!

Tameeka Johnson · Answer

One of the biggest decisions that many people regret later,I would say is not having a Trusted Medicare Agent to guide them throughout their process. This allows the Medicare recipients to stay in the know when it comes to understanding and navigating plan challenges

Lisa Wohlhieter Hobbs · Answer

As an agent, I have found too many people want the same plan a neighbor or a friend has without understanding the plan in full.  Most likely being the wrong plan for them and their own health needs.

Tai Thao · Answer

Late enrollment. Not enroll into Medicar Part d when first qualify or 63 after enrolling into Part A & B.

Dalyaness Martinez · Answer

Not signing up within three time frame allowed. It's very important to be informed of those dates and situations, and also the penalties that come from it. I can help you understand it better. Just reach out.

Ricky Gonzalez · Answer

One of the biggest regrets I see is when someone chooses a plan based only on the lowest monthly premium without fully understanding the long-term limitations, especially with Medicare Advantage or delaying a Medicare Supplement. 

Many people later realize they have fewer provider options or higher out-of-pocket costs, and switching back to a Medicare Supplement can require medical underwriting that may not be approved.

Jonathan Brower · Answer

Not taking advantage of the guaranteed issue status for Medigap plans when first starting Medicare.

Ken Correa · Answer

Failing to Compare Plans Regularly: Medicare is not a "set it and forget it" system. Skipping the annual review (Oct 15 - Dec 7) can lead to overpaying for drugs or losing coverage for preferred doctors. You need to make sure your plan and coverage take into consideration any life changes that have occurred including moving out of area or regular extended stays out of area.

Steven Guiness, CSA · Answer

ONE REGRET IS THAT THEY DID NOT PURCHASE A MEDIGAP PLAN WHEN FIRST ELIGIBLE, AND WERE WELL.

THEY THEN FIND OUT THAT THEY MUST GO THROUGH UNDERWRITTING, AND MAY NOT QUALIFY FOR SUPPLEMENTAL COVERAGE AT THAT TIME. WHEN THY NEED IT.

April Ryan · Answer

The one regret that I see over and over is people enrolling in a Medicare Advantage plan and not fully understanding the plan.   Advantage plans are not regulated by the Department of Medicare and Medicaid Services.   They are owned and regulated by the individual insurance company which means they may not cover everything that Original Medicare would cover.   Advantage plans are also zip code specific, so if you travel your advantage plan may not work outside of your coverage area.

Steven Rukhman · Answer

Not reviewing their Medicare Advantage, Part D Drug Plan or Medicare Supplement plan, and not being aware of reduced benefits, increased costs and other costs/benefits that may have changed over the years.

Christie Bondos · Answer

People will regret not working with a trusted agent to understand exactly when they need to sign up for a plan. Don't compare your personal specifics with your neighbors, family members, or friends. Go to a seminar listen to the experts not others, so you sign up on time and have accurate choices for you!! Also if you owe the IRMAA charge make sure you pay it with the Part B premium stay vigilant with any provider or drug formulary changes.

Alexis Pepple · Answer

Staying on an employer plan when they work past 65.  I can say that 70% of the time Medicare is a better option compared to an employer plan even if you are going to continue to work.  Pepple Insurance can help you compare your employer insurance to Medicare and make the best choice for you.

Dawn Lathe · Answer

Choosing a Medicare Advantage (Part C) plan over Original Medicare, only to face significant access issues and costs later. This is particularly true if one's health declines. It is difficult to switch back to Original Medicare with a Medigap (Medicare Supplement Insurance) policy, which provides more freedom of choice. Especially, involving limited provider networks.

Justin Sonon · Answer

One regret people can have with Medicare is if they sign up for an Advantage plan and later after being diagnosed with health problems trying to apply for a Medigap plan, forgetting that they are subject to medical underwriting approval.

Barbara Klie · Answer

One common Medicare decision that many people regret later is not enrolling in Medicare Part B when they first become eligible. Here are some reasons why this decision can lead to regret:

1. Late Enrollment Penalties
  ◦  If you do not enroll in Part B during your Initial Enrollment Period (IEP) and do not qualify for a Special Enrollment Period (SEP), you may face a 10% penalty on your monthly premium for each full 12-month period you delay enrollment. This penalty can add up significantly over time and can be a financial burden.

2. Coverage Gaps
  ◦  Without Part B, you will not have coverage for outpatient services, such as doctor visits, preventive services, and certain medical supplies. This can lead to high out-of-pocket costs if you need these services and are not covered.

3. Limited Enrollment Opportunities
  ◦  After your IEP, the only time you can enroll in Part B is during the General Enrollment Period (GEP), which runs from January 1 to March 31 each year. However, coverage will not begin until July 1, which can leave you without necessary coverage for several months.

4. Difficulty Accessing Care
  ◦  Some individuals may assume they can rely on other health insurance (such as employer-sponsored plans) indefinitely. However, if that coverage ends or changes, they may find themselves without adequate coverage and facing delays in obtaining necessary medical care.

5. Misunderstanding of Coverage Needs
  ◦  Many people underestimate their healthcare needs as they age. They may believe they can manage without Part B, only to realize later that they require more medical services than anticipated, leading to regret over not having enrolled.
Conclusion
To avoid this common regret, it’s essential to carefully consider your healthcare needs and options as you approach your 65th birthday. If you are unsure about whether to enroll in Part B, it may be helpful to consult with a Medicare counselor or a licensed insurance agent who can provide personalized guidan

Michael Waldron · Answer

One is waiting too long to enroll, which can lead to lifelong penalties and gaps in coverage. Another is picking a plan without really comparing options, only to find out later it doesn’t cover the doctors or benefits they need.

Nydia Flores · Answer

Hello 
The one Medicare decision that people regret later is not applying for secondary insurance like; Medigap, AARP, or Medicaid. 

Thank you
Nydia Flores

Rebecca Loucks · Answer

Most people regret not signing up for Medicare when they first qualify to avoid penalty fees for the rest of their life.

Morgan Greer · Answer

Not considering the pros and cons of Medicare Supplements and Prescription Drugs vs a Medicare Advantage plan. Both options have good reasons to choose and it is important, especially as you get close to turning 65, to examine those options with a professional who can help.

Tony Gonzalez · Answer

Choosing what is cheapest or getting what was best for someone else and not having an agent that explains how Medicare actually works for you.

Dona Tucker · Answer

Not having an agent to help them understand Medicare in layman's terms. It truly makes a difference.

I love educating my client's and seeing how happy they are after understanding to make executive decision to pick the plan that is best for them.