Common Medicare Mistakes

Avoid preventable problems by paying attention to enrollment timing, drug coverage, provider access, and plan changes.

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Missing an enrollment deadline

Enrollment windows can be strict. Delays may create gaps or penalties unless an exception applies.

Ignoring prescription coverage

and pharmacy networks can change what you pay. Review them even if the medical side of a plan looks attractive.

Assuming last year is this year

Plan details and Medicare costs can change annually. Recheck important facts before relying on last year’s information.

Choosing from a postcard

Mailers and TV ads are marketing, not a comparison. Verify doctors, drugs, and total cost before you enroll.

Want the full story? Get my book. Medicare 2026: Choose the Right Plan & Avoid Costly Mistakes walks through how Medicare is built. It does not pick a plan.

WorksheetFind My Enrollment WindowWhich enrollment window am I in? See whether Initial Enrollment, General Enrollment, Annual Enrollment, Medicare Advantage Open Enrollment, a Medicare Supplement (also called Medigap), or a Special Enrollment Period may be open.WorksheetAnnual review checklistUse this checklist during the October 15–December 7, 2026 Annual Enrollment Period to review your coverage for 2027. Gather your doctors, prescriptions, pharmacy preferences, and current plan notices before comparing options.

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