Medicare Annual Enrollment is one of the most important times of the year for seniors. Between October 15 and December 7, 2025, you have the chance to make changes that will affect your coverage in 2026. Unfortunately, this short window can also lead to mistakes if you’re not careful. At Your Insurance Gal Agency, we’ve seen it all—and we want to help you avoid the most common pitfalls.
Mistake 1: Not Reviewing Your Plan
Even if you’re happy with your current Medicare plan, failing to review it can cost you money. Premiums, drug formularies, and provider networks change every year. What worked in 2025 may not work in 2026.
Mistake 2: Choosing Based on Price Alone
A low premium doesn’t always mean the best coverage. Some plans have higher deductibles, limited provider networks, or prescription restrictions. Always consider the full picture. A good plan balances premiums, co-pays, and provider access.
Mistake 3: Ignoring Prescription Drug Coverage
Part D plans update their drug lists annually. That means a medication that was covered last year may cost significantly more in 2026. A review with a licensed agent ensures your prescriptions are affordable.
Mistake 4: Missing the Enrollment Deadline
The enrollment period ends December 7, 2025. If you miss it, you may be stuck with your current plan—or face penalties—until the following year. Don’t wait until the last minute.
Mistake 5: Enrolling Without Guidance
Medicare can be confusing. Many people make mistakes because they try to navigate it alone or rely on big call centers. Without professional guidance, it’s easy to overlook benefits or end up in a plan that doesn’t fit your needs. Local Medicare agents are trained to help you find the right plan for your health and budget.
How We Help You Avoid Mistakes
At Your Insurance Gal Agency, our process is simple:
- We review your current plan.
- We compare available 2026 options in Clark County and surrounding areas.
- We explain the differences clearly.
- We help you enroll in the plan that best meets your needs.
Don’t Risk Your 2026 Coverage
Annual Enrollment is your opportunity to get the right plan in place for the year ahead. Don’t let costly mistakes impact your health or finances.
Book your appointment today with Your Insurance Gal Agency before December 7! Call us at (360) 771-1155.
