Feeling Overwhelmed by Medicare Choices? You’re Not Alone.

Each fall, millions of seniors face one of the most confusing decisions in retirement — choosing between Medicare Advantage, traditional Medicare, and Medigap coverage.

It’s not just about picking a plan. It’s about protecting your health, your wallet, and your peace of mind.

“We talk to seniors every day who are simply overwhelmed,” says Mary Manos Mitchem of M3 Insurance. “There are dozens of plans, each with its own rules, networks, and costs. It’s easy to feel lost trying to compare them all.”

Why the Confusion Happens

Medicare Advantage plans often advertise $0 premiums and added benefits like dental, vision, or gym memberships — which sound great.

But those plans can also come with restricted networks and higher out-of-pocket costs if you travel or see out-of-network doctors.

Meanwhile, traditional Medicare with a Medigap supplement offers freedom to see any provider who accepts Medicare — but monthly premiums can be higher, and you’ll need to buy a separate Part D plan for prescriptions.

The right answer depends on your health, your medications, and your budget — and those change every year.

“That’s why a one-on-one review is so important,” adds Alexis Mitchem. “We look at your specific situation — not just the premium — to make sure you’re truly protected for the year ahead.”

The Value of Trusted Guidance

At M3 Insurance, Mary and Alexis take the time to:

• Compare all available plan options side-by-side.

• Review your medications, doctors, and pharmacies.

• Explain costs in plain English — not insurance jargon.

• Recommend the plan that’s right for you, not the one that pays the biggest commission.

Edward B., a current client of M3 explains:

“Mary’s Medicare expertise, dedication, and up-to-date knowledge have saved us time and money for years. We trust her completely and recommend her to family and friends without hesitation."

That level of personal attention has earned them the trust of countless seniors — and their families — across Northeast Ohio.

📅 Open Enrollment Ends December 7

This is the only time of year when you can make changes to your Medicare coverage.

Don’t wait until the last week — plan reviews fill up quickly.

Contact Mary & Alexis Mitchem at M3 Insurance today to schedule your no-cost, no-pressure consultation.

Let them help you turn confusion into confidence — and ensure your Medicare plan fits your life, not the other way around."