Are You Making These Medicare Mistakes?
Avoid costly Medicare mistakes. Learn about Part B penalties, COBRA, and ACA changes to help protect health coverage.
Many mistakes start with simple mix-ups. For example, some people do not know how Medicare works with the coverage they have now. Also, this can include the confusion called Alphabet Soup.
The “I’m Healthy” Delay
Some seniors think they can skip Part B if they feel well. So, they try to save money each month. But that can be a big mistake. Also, a full 12-month delay can add a 10% penalty. So, the penalty may last for life. In the end, it can cost a lot more.
The COBRA Trap
COBRA confuses many retirees. In fact, many think COBRA lets them delay Medicare with no penalty. But that is not true. Also, the Social Security Administration does not count COBRA as “active employment” coverage. So, if a person keeps COBRA past their Initial Enrollment Period, the Part B penalty clock starts right away.
Losing Your ACA Tax Credits
For people with ACA Marketplace coverage, turning 65 is a big change. Also, once a person can get premium-free Medicare Part A, ACA tax credits usually end. So, staying on an ACA plan after 65 can mean higher costs. It can also lead to coverage problems.
Ignoring the “Lobby Learning Lab”
Helpful local resources are often missed by seniors. But these programs can help prevent costly mistakes. For example, programs like “Lobby Learning Labs” and “Patient Coverage Reviews” can help. Also, they can explain doctor networks in simple terms. They can help people check if their drugs may fit a Part D plan before deadlines pass.
Avoid the Enrollment Headache
First, Medicare takes planning. But early planning can help a lot. So, seniors are encouraged to review their options before age 65. In the end, the change can feel much smoother.
No Cost Benefits Review
Website: https://www.planenroll.com/?purl=Gina-Soto
Phone: 813.506.4100
Disclaimer: We do not offer every plan available in your area. Any information provided is limited to available plans in your area. Please contact Medicare.gov or 1-800-MEDICARE to review all options. This content is for educational purposes only. It is not legal or tax advice. Readers should do their own research and consult a qualified professional about their specific situation. Information may be subject to error or change.
Sources:
- Medicare.gov: https://www.medicare.gov
- Social Security Administration: https://www.ssa.gov
- Federal Trade Commission (FTC): https://www.ftc.gov
- Centers for Disease Control and Prevention (CDC): https://www.cdc.gov
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