Glenn’s Medicare Secrets: 4 Costly Mistakes You MUST Avoid

Folks, let’s be honest — the government isn’t necessarily “looking out for your best interests” when it comes to Medicare. Big insurance isn’t helping much either — just look at the mountains of junk mail and endless sales calls pushing this plan or that. And if you’re not careful, these mistakes could cost you thousands — or even worse — your ability to see the doctor you trust.

The good news? You don’t have to go at this alone. Read on, and I’ll show you how to avoid these traps and get the Medicare coverage that actually works for YOU.

1. Waiting Too Long to Sign Up — And Paying the Price Forever

Let me tell you something: Medicare doesn’t wait for you to figure things out. If you miss your enrollment window and don’t qualify for a Special Enrollment Period, the government slaps you with lifetime late enrollment penalties — yes, you heard me, FOREVER.

How to Avoid This Government Gotcha:

• If you’re turning 65, know your deadlines. Your Initial Enrollment Period starts three months before your 65th birthday and ends three months after.
• Still working? Don’t assume your employer’s plan is the best option. Compare your employer coverage to Medicare before making any decisions.
• Planning to delay enrollment? Double-check that you ACTUALLY qualify for a Special Enrollment Period. Many assume they do — many are wrong.

Not sure? Visit my trusted friends at Chapter today, the only national Medicare advisor that actually searches every plan to find the one that best fits YOUR needs — all at no cost to you.

2. Finding Out Too Late That Your Doctor Isn’t Covered

Imagine this: You think you’ve got everything squared away. You enroll in Medicare, head to your doctor’s office — only to be told, "Sorry, we don’t take that plan." Now you’re either paying out-of-pocket or scrambling to find a new provider.

Here’s How to Keep Your Doctor:

• Make a list of all your must-keep doctors and specialists.
• Work with a trusted Medicare advisor (like Chapter) who will cross-check that list against EVERY available plan.
• If you travel often or see multiple specialists, Original Medicare + a Supplement plan might be your best bet — it covers any doctor that takes Medicare.

Don’t leave this to chance — get this squared away BEFORE you enroll.

3. Overpaying for Prescriptions

Folks, this is a racket. Prescription costs can skyrocket if you don’t have the right plan. Original Medicare doesn’t cover prescriptions! That means you’ll need either a standalone Part D plan or a Medicare Advantage plan with drug coverage. But here’s the kicker — not all plans cover the same drugs, and prices can vary WILDLY.

How to Save Hundreds on Your Medications:

• Keep an updated list of your prescriptions and dosages.
• Work with a trusted Medicare advisor to compare EVERY plan option to find the one that saves you the most money.

A little research now can save you hundreds — if not THOUSANDS — every year.

4. Getting Stuck with High Out-Of-Pocket Costs

Look, Medicare covers a lot — but NOT everything. For example, Medicare Part B only covers 80% of outpatient costs. That means if you need frequent or expensive treatments, you could be on the hook for thousands. And let’s not even talk about some of the hidden deductibles and co-pays in many Medicare Advantage plans.

Here’s How to Avoid Financial Disaster:

• If you have ongoing medical needs, a Medicare Supplement plan could save you thousands. But these plans may be cost prohibitive for some.

  Friendly tip: Medicare Supplement plans aren't all priced the same — prices vary widely for the same plan, so work with a trusted advisor to find the deal that works best for you.

• If a Supplement plan doesn’t make sense for you, a great Medicare advisor (like Chapter) can help you find an Advantage plan with the lowest possible out-of-pocket costs.

Don’t Let Medicare Become Your Worst Nightmare — Talk to Glenn’s Trusted Advisors

I’ve heard the horror stories: seniors getting tricked into bad plans, losing access to their doctors, or paying WAY more than they should. You don’t have to be one of them.

That’s why I trust Chapter. They’ll walk you through ALL your options — Original Medicare, Medicare Advantage, Supplement plans, and Part D — so you get the BEST coverage for you WITHOUT the guesswork.

Call Chapter now at 412-567-1672 or visit askchapter.org/blaze.

Don’t let the government and big insurance companies take you for a ride. Get the Medicare coverage that works for YOU.

Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.