Every year, Medicare’s Annual Enrollment Period (AEP) brings with it a rush of questions, changes, and important decisions. From October 15 to December 7, 2025, Medicare beneficiaries in Vancouver, Clark County, and beyond will need to decide how they want their coverage to look for 2026.
Unfortunately, many people make mistakes during this time that can cost them money or limit their options. At Your Insurance Gal Agency, we’ve helped hundreds of seniors avoid these pitfalls. Here are the top five mistakes to watch out for before Open Enrollment begins.
- Waiting Until the Last Minute
Procrastination is the most common mistake. Many seniors wait until the end of November—or even early December—to review their plans. By then, appointment slots are limited, and decisions may feel rushed.
Tip: Schedule your Medicare review in September or early October for the best availability and peace of mind.
- Assuming Last Year’s Plan Is Still the Best
Medicare Advantage and Part D plans change every year. Your 2025 plan may not offer the same drug coverage, network access, or premiums in 2026. If you don’t review, you could end up paying more or losing benefits.
Tip: Treat AEP like a yearly “check-up” for your coverage, even if you were happy with your plan before.
- Overlooking Prescription Drug Coverage
Prescription drug formularies change every year. A medication that was affordable in 2025 could cost much more in 2026—or not be covered at all.
Tip: Bring your medication list to your Medicare review so we can check costs under 2026 plans in Clark County.
- Relying Only on National Hotlines or Online Tools
While Medicare’s online resources are helpful, they don’t provide personalized guidance. And national hotlines may not know which doctors or hospitals in Southwest Washington are covered by certain plans.
Tip: Work with a local agency like Your Insurance Gal Agency to ensure your plan works for your doctors, hospitals, and budget.
- Not Asking Questions
Medicare is complicated, and too many seniors feel like they should already “know it all.” That’s simply not true—plans are complex, and you’re not expected to navigate them alone.
Tip: Bring your questions to your review appointment. We’ll walk you through everything in plain language.
Avoid the Stress—Plan Ahead
The Annual Enrollment Period doesn’t need to feel overwhelming. By starting early and working with a trusted, local advisor, you’ll avoid costly mistakes and feel confident about your 2026 Medicare coverage.
✅ Call-to-Action
Don’t wait until it’s too late—schedule your Medicare review today. Call Your Insurance Gal Agency at (360) 771-1155 or [book your appointment online].
Medicare Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
