Here are the most frequent mistakes—and how to avoid them:

1. Missing the Enrollment Window
   Delaying your initial enrollment could leave you without coverage and result in permanent late penalties.

2. Botching the Special Enrollment Period
   If you qualify for special enrollment (e.g., losing employer coverage), missing deadlines can cost you.

3. Misunderstanding Employer Insurance Coverage
   Many assume their job-based coverage works seamlessly with Medicare. This isn’t always the case—coordination of benefits matters.

4. Ignoring Late Enrollment Penalties
   Failing to sign up for Medicare Part B or Part D on time could mean paying extra premiums for life.

5. Not Comparing Medicare Options
   Sticking with Original Medicare without considering Medicare Advantage or Medigap may leave you with higher out-of-pocket expenses.

6. Delaying Medigap Enrollment
   If you only enroll in Original Medicare and postpone Medigap, you could face higher costs or be denied coverage later.

7. Overlooking Out-of-Pocket Costs
   Premiums are just one piece of the puzzle—deductibles, copayments, and coinsurance add up quickly.

8. Choosing a Plan Without Your Doctors in the Network
   If your doctors aren’t covered under the plan, you may have to switch providers or pay significantly more.

9. Selecting a Prescription Drug Plan That Doesn’t Fit
   Not all Part D plans cover every medication. Always check that your prescriptions are included.

10. Assuming Medicare Is Too Expensive
    Many seniors qualify for subsidies, savings programs, or alternative options that make Medicare affordable.