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Top 5 Medicare Mistakes and How to Avoid Them

  • Writer: epiainsurance
    epiainsurance
  • Sep 22
  • 2 min read

Enrolling in Medicare is an important milestone, but it can also feel overwhelming. With so many rules, deadlines, and options, it’s easy to make mistakes that could cost you money or limit your coverage.


At EPIA Insurance Agency Inc., we’ve helped countless Californians navigate Medicare with confidence, and we’ve seen the most common pitfalls first-hand.

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Here are the top 5 Medicare mistakes — and how you can avoid them.


1. Missing Your Enrollment Window

One of the biggest mistakes people make is waiting too long to sign up. If you miss your Initial Enrollment Period (IEP) — the 7-month window surrounding your 65th birthday — you may face late enrollment penalties that stick with you for life.


👉 How to avoid it: Mark your calendar early. If you’re turning 65 soon, talk with a trusted advisor about when to apply.


2. Assuming Medicare Is Free

While Part A (hospital insurance) is usually premium-free if you’ve worked enough years, Parts B and D come with monthly premiums. Many people are surprised when these costs appear, and they don’t budget for them.


👉 How to avoid it: Review your estimated costs ahead of time. Work with a professional who can explain what’s covered and what isn’t.


3. Not Reviewing Prescription Drug Coverage

Medicare Part D plans vary widely. Choosing the wrong plan could leave you paying much more for your prescriptions. Too often, people stick with a plan that doesn’t fit their current needs.


👉 How to avoid it: Reassess your prescriptions every year during Open Enrollment (Oct. 15 – Dec. 7). Make sure your medications are covered affordably.


4. Thinking “One-Size-Fits-All”

Medicare isn’t just one program. You can choose between Original Medicare or a Medicare Advantage Plan. Each option has different benefits, networks, and costs. Picking the wrong one could leave you with unexpected out-of-pocket expenses or limited provider choices.


👉 How to avoid it: Compare all your options carefully. Consider your lifestyle, health needs, and budget.


5. Ignoring Supplemental Coverage

Original Medicare doesn’t cover everything. Without a Medigap (supplemental insurance) plan, you may face high deductibles, copays, and coinsurance. Many people don’t realize this until medical bills start piling up.


👉 How to avoid it: Ask about supplemental coverage. The right Medigap plan can save you thousands in the long run.


The Bottom Line

Medicare doesn’t have to be complicated — but it does require planning. Avoiding these common mistakes can give you peace of mind and protect your finances.


At EPIA Insurance Agency Inc., we simplify the process for you. Our team takes the time to understand your needs and guide you through enrollment step by step. Whether you’re approaching 65 or helping a loved one, we’re here to make Medicare stress-free.


📞 +1 626-912-1988 | 📧 info@epiagroup.com | 🌐 www.epiagroup.com



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