For many people turning 65, Medicare is their first experience with government-sponsored health coverage. Unlike employer plans, Medicare comes with a dizzying array of choices:

• Original Medicare (Parts A & B)
• Medicare Advantage (Part C)
• Prescription Drug Plans (Part D)
• Medicare Supplement (Medigap) policies

Each option has its own rules, costs, and benefits. Without proper guidance, it’s easy to make mistakes that can lead to higher out-of-pocket expenses, missed coverage, or late enrollment penalties.

The Most Common Mistakes I See

• Waiting too long to enroll, which can result in costly penalties.
• Choosing a plan without checking provider networks—a big concern with Medicare Advantage.
• Assuming last year’s plan is still the best fit and skipping the annual review period.
• Overlooking prescription drug coverage, which can leave beneficiaries vulnerable to high medication costs.

These pitfalls are avoidable with the right information and planning.

How I Help My Clients

My role as an independent Medicare insurance broker is to simplify the process. I compare plan options from multiple carriers, explain coverage in plain language, and help clients match their health needs and financial situation with the best plan available. Most importantly, I act as a trusted resource year after year—not just during the initial enrollment.

I believe that peace of mind comes from having someone in your corner who understands both the rules and the human side of Medicare decisions.

Medicare doesn’t have to be confusing. With the right support, you can make confident decisions that protect both your health and your wallet.