Medicare is already confusing, and when it comes time to choose a Medicare Supplement (Medigap) plan, many people make decisions they later regret. The good news? With a little guidance, you can avoid these common pitfalls and choose coverage that truly fits your needs.

Mistake #1: Picking Only by Price

It’s tempting to go with the cheapest premium. But the lowest-cost option today could have a history of steep rate increases. A plan that looks “cheaper” now might actually cost you more in the long run.

Mistake #2: Assuming All Carriers Are the Same

Yes—Plan G is Plan G when it comes to benefits. But carriers differ in rate stability, customer service, and discount programs. Two people can have identical coverage but very different experiences (and premiums).

Mistake #3: Waiting Too Long to Enroll

Your Medicare Supplement Open Enrollment Period is the best time to buy a plan—no health questions, no risk of denial. If you wait, you could face medical underwriting or be declined based on health.

Mistake #4: Overlooking Travel Needs

If you spend part of the year in another state—or just like to travel—your coverage needs to travel with you. Medicare Supplements work nationwide with any doctor who accepts Medicare. Not every Advantage plan can say the same.

Mistake #5: Ignoring the Value of Extra Protection

A Supplement fills the gaps in Medicare, but it doesn’t cover everything. Many people overlook adding a cancer, heart attack, or stroke policy—leaving themselves vulnerable to unexpected costs like travel, lodging, or household help. We truly believe every person should have one. 👉 Learn more on our Cancer, Heart Attack, and Stroke Coverage page.

Bottom Line

The right Medicare Supplement plan should bring peace of mind, not second-guessing. Avoiding these common mistakes helps you choose coverage that supports you for the long haul.

Call our team at 904-654-5450 or visit www.merebenefits.com to compare your options and avoid costly mistakes.

Next Step: Read our blog on What Happens If You Miss Your Medicare Supplement Open Enrollment Window? to understand why timing is so critical.

#simplyforyourbenefit