The Five AEP Mistakes We See Every Single Year

The Same Mistakes, Every Single Year

AEP brings a wave of plan changes, and a predictable set of mistakes alongside it. Almost all of them are avoidable with a little more attention before the December 7 deadline.

Worried you might be about to make one of these? Get your AEP decision double-checked

The Five We See Most Often

1. Auto-renewing without comparing. Plans change every year, your comparison should too.

2. Choosing based on premium alone. A low premium with a narrow network or high copays can cost more overall.

3. Not checking the drug formulary by name. Categories aren’t enough, check your specific medications.

4. Assuming your doctor is still in-network. Networks shift between plan years without much notice.

5. Waiting until December 6. Rushed decisions skip steps that actually matter.

Want a second pair of eyes before you finalize anything? Get your AEP choice reviewed before December 7

The Bottom Line

None of these mistakes happen because someone wasn’t careful. They happen because nobody pointed them out in time. Now you know, with weeks left to actually act on it.

---

Ready to Talk It Through?

Cole Insure is an independent Medicare brokerage. We work for you, not one insurance company. No fees, no bias toward any single carrier.

Avoid These AEP Mistakes This Year

This is an advertisement for insurance. Not connected with or endorsed by the U.S. government or the federal Medicare program.