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Mistakes to avoid

The five things we most often have to undo for people who signed up without help.

The five we see most often

1

Skipping drug coverage because you take no prescriptions today — then carrying a permanent penalty once you need it. If you have other coverage that counts as creditable, you are fine; check before you skip.

2

Choosing a plan on premium alone, without checking whether your doctors and your pharmacy are in it.

3

Letting the one-time six-month Medigap window pass, then being turned down for health reasons years later.

4

Staying on the same plan year after year without reading the letter that says what changed.

5

Delaying Part B because of employer coverage without first confirming that the delay is allowed.

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