"Don’t Be Fooled by Low Premiums,” Seniors Warn as Enrollment Heats Up

Every year around this time, the same mistake happens: Someone sees a shiny new Medicare Advantage plan with a super-low monthly premium — sometimes even $0 — and jumps on it. A few months later, they realize the doctor they’ve been seeing for years isn’t in-network… or that their prescriptions now cost three times as much.

This isn’t just rumor; it’s a real warning coming straight from seniors on Reddit and across the country:

“Don’t pick your plan just because it’s the cheapest each month. Look at the whole picture — deductibles, copays, max out-of-pocket costs, and whether it actually covers your conditions.”

That’s advice from which we can all learn

What Really Matters When Choosing a Medicare Plan

Mary Manos Mitchem, Medicare Specialist with M3 Insurance, says she hears this story all the time:

“A low premium sounds great — until a hospitalization or specialist visit shows how quickly those savings disappear. We help our clients understand what they’re really buying — not just what it costs per month.”

Her daughter and business partner, Alexis Mitchem, adds:

“The right plan depends on your health needs. One person might benefit from a zero-premium plan, while another may save thousands by paying a little more each month for better coverage. The key is understanding your unique situation before you enroll.”

A current M3 client describes her experience:

"I just returned from an Alaskan vacation, but I wanted to take time to write this letter. There is nothing better than having confidence with getting your healthcare from someone you trust like Mary Mitchem. She is personable, knowledgeable, and has excellent customer service. I can’t imagine going to anyone else for my insurance needs. 

Cheryl S."

A Simple Rule of Thumb

Think of your Medicare plan like buying a car:

The lowest sticker price doesn’t always mean the best deal once you factor in fuel, maintenance, and insurance. Medicare works the same way — your total annual cost matters far more than your monthly bill.

Don’t Wait — Annual Enrollment Ends Soon

This Annual Enrollment Period (Oct 15 – Dec 7) is your once-a-year chance to compare and switch plans.

Don’t do it alone — the M3 Insurance team will walk you through your current coverage, check your medications, and make sure you’re not paying more than you should.

Contact Mary & Alexis today to review your 2026 Medicare options — before it’s too late to make a change.