7 Medicare Plan Mistakes to Avoid
Choosing a Medicare plan can be challenging. A wrong decision may lead to higher costs, limited coverage, or frustration down the road. By being aware of these common mistakes, you can make a more informed, confident choice about your healthcare coverage.
If you have questions or want help understanding your options, guidance is available from local resources and professionals who specialize in Medicare plans.
Local Medicare Insurance Broker – Beaverton, OR
📍 Office Address: 15125 SW Ruby Ct, Beaverton, OR 97007
📞 Phone: +1 (503) 828-2328
🌐 Website: Michaels Medicare Ministry
📧 Email: wmichaeljarman@gmail.com
1. Not Comparing All Your Options
Many people stick with the first plan they come across or what a friend recommended. But Medicare isn’t one-size-fits-all. Original Medicare, Medicare Advantage, Medigap, and Part D plans all offer different benefits. Without comparing them, you might end up paying more or getting less coverage than you need.
👉 Pro Tip: Work with a local broker who can compare plans for you from multiple providers.
2. Overlooking Out-of-Pocket Costs
Low monthly premiums can be appealing, but they often come with high deductibles, co-pays, or limited coverage. Many Medicare Advantage plans have network restrictions or referral requirements that could affect your care.
✔️ Ask: “What will this plan really cost me if I need regular doctor visits or prescriptions?”
3. Ignoring Prescription Drug Coverage
If you take medications—even occasionally—it’s critical to review the Part D drug formulary. Each plan covers different drugs, and prices can vary widely.
💊 Be sure your prescriptions are covered and affordable under the plan you’re choosing.
4. Missing Important Deadlines
Medicare has strict enrollment windows. Missing the Initial Enrollment Period, Annual Enrollment Period (AEP), or Special Enrollment Periods can lead to late penalties or delays in coverage.
📅 Need help with enrollment timing? Contact us today—we’ll make sure you’re on schedule.
5. Choosing a Plan Without Local Support
Big insurance companies might offer flashy ads, but do they know Beaverton? Local brokers understand the doctors, hospitals, and community resources in your area—and that makes a big difference.
📍 Based right here in Beaverton, OR, we’re available when you need us, not just during open enrollment.
6. Assuming Medicare Covers Everything
Unfortunately, Original Medicare doesn’t cover dental, vision, hearing aids, or long-term care. Many people are surprised by out-of-pocket costs after a hospital stay or a specialist visit.
🛡️ Consider adding a Medigap or Medicare Advantage plan that fills those coverage gaps.
7. Not Getting Help from a Licensed Medicare Broker
Going it alone is risky—and completely unnecessary. A licensed broker can help you understand your options, compare plans, and even enroll at no extra cost to you.
🙋♂️ Let us help you find peace of mind and the best coverage for your needs.
✅ Get Personalized Medicare Help in Beaverton, OR
If you’re feeling overwhelmed by Medicare choices, you’re not alone—and you don’t have to figure it out yourself. At Michael Jarman Medicare Insurance, we offer free, no-obligation consultations to help you choose the right plan, avoid costly mistakes, and stay covered with confidence.
📍 Office Address: 15125 SW Ruby Ct, Beaverton, OR 97007
📞 Call Now: +1 (503) 828-2328
📧 Email: wmichaeljarman@gmail.com
👉 Schedule your free consultation today—and make Medicare work for you!
