The 5 Most Common Medicare Mistakes to Avoid During Enrollment

1. Missing Your Initial Enrollment Period

Your first chance to sign up for Medicare happens around your 65th birthday. If you miss that window, you could face late enrollment penalties that stick with you for life. Even if you’re still working, it’s important to know the rules about employer coverage and when you’re required to enroll.

✅ Tip: Mark your calendar—your Initial Enrollment Period begins three months before your 65th birthday month and ends three months after.

2. Assuming Original Medicare Covers Everything

Many people are surprised to learn that Medicare doesn’t cover dental, vision, hearing aids, or most prescription drugs. Without extra coverage, you could face big out-of-pocket costs.

✅ Tip: Consider adding a Part D prescription plan or a Medicare Advantage plan that includes these benefits.

3. Not Comparing Plans Each Year

Plans and costs change annually. A prescription that was affordable this year could jump in price next year if your plan’s formulary changes.

✅ Tip: During Medicare’s Annual Enrollment Period (Oct 15 – Dec 7), review your options to make sure your plan still fits your needs.

4. Ignoring Network Restrictions

If you enroll in a Medicare Advantage plan, you’ll likely have a provider network. Not realizing this can mean unexpected bills if you see a doctor or hospital outside of your plan’s coverage area.

✅ Tip: Always confirm that your preferred doctors and hospitals are in-network before enrolling.

5. Trying to Do It All Alone

Medicare is complicated—and making a wrong choice can cost you thousands. Many people feel overwhelmed by the mailers, ads, and information overload and end up choosing without fully understanding their options.

✅ Tip: Work with a licensed Medicare broker who can compare plans across multiple companies and help you find coverage that matches your needs and budget.

‍

📞 Need assistance? Call/text/email me today to discuss your options: 720-722-0589 desiree@rediscoverinsurance.com

‍

‍