Key Facts About Medicare Open Enrollment
Medicare Open Enrollment runs from October 15 to December 7 each year—and it’s the only time many Medicare beneficiaries can make important changes to their health and drug coverage. But every year, thousands of people make costly mistakes during this limited window, leading to unexpected medical bills, coverage gaps, or higher premiums for the following year.
Whether you’re new to Medicare or have been enrolled for years, avoiding these five common mistakes can save you money, stress, and surprises. That’s why working with a trusted local expert can make a real difference.
In Prescott, Arizona, Ed McMahan Medicare Insurance provides free, personalized guidance to help residents navigate Open Enrollment with confidence. With a deep understanding of local plans, networks, and providers, Ed ensures you get the coverage that truly fits your health and budget needs—without pressure or confusion.
If you want help reviewing your options or avoiding common Medicare enrollment pitfalls, reach out today:
📍 Ed McMahan Medicare Insurance
3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 Phone: (928) 379-0172
📧 Email: edmcmahan2020@gmail.com
1. Mistake: Assuming Last Year’s Plan Is Still the Best
Plans change every year—premiums, copays, formulary lists, and provider networks often shift. Many people assume their current plan still suits them, only to find later that their medication isn’t covered or their doctor is no longer in-network.
Avoid it: Take time to review all plan updates annually. A local expert can help you compare your current plan against others available in your area—often uncovering options that better suit your evolving needs.
2. Mistake: Ignoring Changes in Drug Coverage (Part D)
Even if your prescriptions stay the same, drug plans may adjust tiers, pricing, or preferred pharmacies. These changes can increase your out-of-pocket costs significantly.
Avoid it: Before enrolling or renewing, have your prescriptions reviewed against available Part D plans. Matching your meds to the right formulary can save hundreds over the year.
3. Mistake: Choosing Based on Premium Alone
A low monthly premium might sound appealing, but it doesn’t tell the full story. Lower-cost plans can sometimes come with higher deductibles, limited doctor networks, or unexpected copays.
Avoid it: Consider the total cost of care, not just premiums. With local plan comparisons and personalized cost analysis, you can select coverage that fits both your budget and lifestyle.
4. Mistake: Waiting Until the Last Minute
Many wait until late November or even early December to start reviewing their options. This can lead to rushed decisions—or worse, missing the deadline altogether.
Avoid it: Begin early in the enrollment window. This ensures you have time to weigh your options, ask questions, and make the best possible choice without feeling rushed.
5. Mistake: Relying on National Ads or Call Centers
TV and online ads often promote plans that aren’t tailored to your location or your doctor preferences. These “one-size-fits-all” offers don’t always take your local providers, drugstore preferences, or actual health needs into account.
Avoid it. Work with someone who understands the healthcare landscape in Prescott, AZ, and surrounding areas. Local guidance means you’re choosing from plans that actually work where you live—and with providers you trust.
Trusted Help for Medicare in Prescott
Choosing the right Medicare plan doesn’t have to be overwhelming. With local guidance, Prescott residents can review Medicare Advantage, Part D, or Supplement plans with confidence—without pressure, confusion, or cost.
Located right here in town, personalized Medicare help is just a phone call away. You’ll get one-on-one plan comparisons, clear answers to your questions, and honest advice from someone who knows your healthcare landscape inside and out.
📍 Get Local Medicare Help in Prescott, AZ
Have questions or need help navigating Open Enrollment?
Contact:
Ed McMahan Medicare Insurance
📍 3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 (928) 379-0172
📧 edmcmahan2020@gmail.com
Open Enrollment FAQs
Can I change plans after December 7?
Not unless you qualify for a Special Enrollment Period. For most, the next chance to change is next year.
Do I have to pay for Medicare advice?
No. Licensed brokers in Arizona provide free consultations and are compensated by the insurance carriers, not by you.
What if I’m happy with my current plan?
Still review it. Even if your needs haven’t changed, your plan likely has.
Is it better to go direct or use a broker?
A broker gives you access to multiple carriers, personalized support, and local insight—all at no extra cost.