.PnG)
Making big health insurance decisions—especially around Medicare—can feel like trying to read the fine print through foggy glasses. The rules, timelines, and options can be confusing and, unfortunately, costly if you miss something important.
Good news? We’re all about simplifying big choices, and today we’re breaking down 5 Medicare mistakes that could hit your wallet hard—and how to avoid every single one.
💡 1. Missing Your Medicare Enrollment Window
You have a 7-month Initial Enrollment Period (IEP) that starts 3 months before you turn 65. Miss it, and you could be paying late penalties for life.
👉 Simplified Tip: Mark your calendar or let a licensed agent help you stay ahead. We make Medicare enrollment tips easy to follow and stress-free.
💡 2. Assuming Medicare Covers Everything
It’s a common myth: once you have Medicare, you’re fully covered. But Original Medicare doesn’t include dental, vision, hearing, or long-term care.
👉 Simplified Tip: A Medicare Advantage or Supplement plan can fill those gaps. We’ll help you review your needs so you don’t overpay or go without.
💡 3. Choosing a Plan Based Only on Monthly Premium
A low premium might look great—until the out-of-pocket costs pile up. That’s one of the biggest Medicare mistakes we see.
👉 Simplified Tip: Look at total cost of care, not just the monthly price. We'll show you how to compare plans that work for your health and your budget.
💡 4. Skipping Part D (Prescription Drug Coverage)
Even if you don’t take any medications now, skipping Part D when you’re first eligible can result in penalties later. Worse, when you do need meds, they might not be covered.
👉 Simplified Tip: Enroll in at least a basic Part D plan on time. We’ll review which one fits your current (and future) prescription needs.
💡 5. Not Asking About Financial Help
So many people don’t realize they qualify for extra help—whether it’s Medicare Savings Programs or ACA tax credits if you’re under 65.
👉 Simplified Tip: We check eligibility for all available assistance. No guessing, no missed savings—just straight answers and support.
Choosing Medicare isn’t just about checking a box. It’s about making smart decisions that protect your health and your money. With so many moving parts, it's easy to make Medicare mistakes—but it's just as easy to avoid them when you have the right guidance.
We’re here to simplify big choices so you feel confident, not confused. From Medicare enrollment tips to finding the right life or health insurance for your family, we’ve got your back.
Let’s talk! Your next step toward stress-free Medicare starts here:
Whether you’re exploring Medicare, ACA plans, or just lost your job and don’t know where to start—you don’t have to figure it out alone.
📲 Call or Text: 480-300-5776
📧 Email: [email protected]
🌐 Schedule a Free Consultation:
https://link.agent-crm.com/widget/group/HJM6zNUDV2wJdwcOkmPD
💬 Prefer a quick chat first? DM us anytime on Facebook or Instagram—we love helping people find clarity (and peace of mind) in their insurance journey. https://web.facebook.com/riseupbenefitsgroup
.PnG)
Health insurance may not be the most thrilling thing to shop for (we get it—it’s not shoes or tacos), but it is one of the most important. If you’ve ever felt overwhelmed by terms like “deductible,” “premium,” or “coinsurance,” you’re not alone.
The good news? You’re in the right place. We're here to help you simplify big choices, especially when it comes to health insurance shopping during open enrollment.
Open enrollment is your once-a-year chance to sign up for a new health plan or make changes to your current one—without needing a qualifying life event. For most ACA plans, it runs from November 1 through January 15, depending on your state.
Miss it? You could be stuck with your current plan for another year—or worse, without coverage.
1. Know What You Need (and What You Don’t)
Before diving into plan options, ask yourself:
Open enrollment tip: Jot down your health needs so you can shop with purpose—not confusion.
2. Don’t Pick a Plan Based on Premium Alone
Low monthly premiums can look great—until you're hit with high deductibles or out-of-pocket costs.
Health insurance shopping isn’t just about the sticker price. It’s about finding the right value based on your usage.
3. Make Sure Your Providers Are In-Network
Love your doctor? Great! Just make sure they're in-network with any plan you're considering.
Open enrollment tip: Most plan finders let you check provider networks. Don't assume—they change more often than you’d think.
4. Check the Prescription Drug Coverage
If you take regular meds, it’s crucial to make sure they’re covered—and at what tier. Not all drug plans are created equal.
Simplifying big choices means digging into the details now so there are no surprises later.
5. See If You Qualify for Financial Help
Many people don’t realize they qualify for tax credits that make coverage much more affordable—sometimes even $0/month.
Open enrollment tip: Use the marketplace calculator or talk to a licensed agent (like us!) who can do the number-crunching for you.
6. Don’t Go It Alone
This is your health and your finances. The stakes are high—but the process doesn’t have to be stressful.
We’re here to help you make confident, informed decisions about health insurance shopping—without the fine-print fatigue.
Open enrollment isn’t just a deadline—it’s an opportunity. With the right support and the right strategy, you can make smart, money-saving decisions that protect your health all year long.
Need help? We simplify the tough stuff, explain the confusing parts, and help you choose coverage that fits your life.
Whether you’re exploring Medicare, ACA plans, or just lost your job and don’t know where to start—you don’t have to figure it out alone.
📲 Call or Text: 480-300-5776
📧 Email: [email protected]
🌐 Schedule a Free Consultation:
https://link.agent-crm.com/widget/group/HJM6zNUDV2wJdwcOkmPD
💬 Prefer a quick chat first? DM us anytime on Facebook or Instagram—we love helping people find clarity (and peace of mind) in their insurance journey. https://web.facebook.com/riseupbenefitsgroup
👉 Serving individuals, families & seniors with Medicare, ACA, life insurance & more.
Can You Shop for Health Insurance Like a Pro?
Take this quick quiz to see if you're ready for open enrollment!
1. Open enrollment happens...
A. Once a year ✅
B. Whenever you feel like it
C. Only on leap years
D. After tax season
2. The cheapest plan is always the best choice.
✅ Answer: False!
Low premiums can mean high out-of-pocket costs. Always compare total costs, not just the monthly rate.
3. You can check if your doctor is in-network before enrolling.
A. True ✅
B. False
C. Only if you ask nicely
D. Not until after you pay
4. Prescription drug coverage is included in all health insurance plans.
✅ Answer: False!
Not every plan covers the same meds. Check the formulary before enrolling!
5. You might qualify for tax credits or $0 plans even if you're working.
A. True ✅
B. False
C. Only if you’re unemployed
D. Depends on the plan’s font size
🧠 How’d You Do?
Whether you’re exploring Medicare, ACA plans, or just lost your job and don’t know where to start—you don’t have to figure it out alone.
📲 Call or Text: 480-300-5776
📧 Email: [email protected]
🌐 Schedule a Free Consultation:
https://link.agent-crm.com/widget/group/HJM6zNUDV2wJdwcOkmPD
💬 Prefer a quick chat first? DM us anytime on Facebook or Instagram—we love helping people find clarity (and peace of mind) in their insurance journey. https://web.facebook.com/riseupbenefitsgroup
