10 mistakes we see every week
- Missing your Initial Enrollment Period — triggers a lifetime Part B penalty.
- Assuming COBRA is creditable coverage — it isn't, for Part B.
- Picking a plan by premium alone — copays, network, and drug tiers usually matter more.
- Not checking your doctor's network status every year — networks change.
- Skipping AEP (Oct 15 – Dec 7) — plans change every January.
- Ignoring Extra Help eligibility — many Ohioans qualify and never apply.
- Not appealing IRMAA after retirement reduces income.
- Contributing to an HSA after Medicare enrollment — triggers tax penalties.
- Buying a Medigap plan after the 6-month guaranteed-issue window — underwriting can decline you.
- Trusting a TV commercial or call-center over a local licensed agent who actually knows your hospitals.
Avoid the expensive mistakes — free
A licensed Ohio agent will check your timing, your plan, and your network in one short call. Callback within 24 hours.
or call 234.380.6282 — United Medicare Club, our preferred partner agency
Why local matters
The TV commercials don't know which Ohio hospitals are in which networks. A licensed local Ohio agent does. That single difference is usually the most valuable thing about getting unbiased local help — and it costs you nothing.
Avoid the expensive Medicare mistakes — free.
A licensed Ohio agent will check your timing, plan, and network. Callback within 24 hours.
- A real, licensed local insurance agent at United Medicare Club
- No cost, no obligation, no robocalls
- Your information stays private and is never sold
Prefer to skip the form? Call 234.380.6282 — United Medicare Club, our preferred partner agency.
Request a callback from a licensed local agent
Fill out the short form below. A licensed agent at United Medicare Club, our preferred partner agency, will call you back — usually within 24 hours. No cost, no pressure.
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