Why You Should Read the Fine Print Before Choosing Your Medicare Plan

Every year, Medicare beneficiaries face the same challenge: sorting through piles of plan options that sound great — but don’t always deliver what’s promised.

There’s growing concern about misleading or incomplete plan pitches making the rounds this Annual Enrollment Period. Some ads highlight low premiums or extra perks, while quietly leaving out key details about what’s not covered or how your provider network might change.

That’s why it’s more important than ever to review your plan documents carefully and make sure you understand:

• Any changes in coverage or co-pays

• Your out-of-pocket maximums

• Whether your doctors and preferred hospitals are still in-network

• What medications are covered — and at what tier

“We’re seeing a lot of confusion this year,” says Mary Manos Mitchem of M3 Insurance. “People are calling us after enrolling in plans that sounded perfect in an ad — only to find out their doctor isn’t covered or their prescription costs have gone up.”

Alexis Mitchem adds, “A good rule of thumb is: if something sounds too good to be true, take a closer look. We help our clients read between the lines so they understand exactly what they’re getting.”

A current M3 client writes, "Kudos to Mary. Mary came highly recommended to me by my better half, and justifiably so. The plan I had was horrible, after Mary took a quick look at my plan, she said I think I can help you get into a better plan, and she did. As I am unfamiliar with this as many people are. She has helped me navigate thru some problems that I would never have been able to. Anytime I had a question or a problem of any kind she made herself 100% available and helped me thru it. I am very thankful that she is in the business that she is in.  Thanks, Mary for all the help that you have given me."

John M.

At M3 Insurance, we believe an informed decision is the best decision. Our licensed agents take the time to explain each plan’s strengths and limitations — so you don’t get caught off guard later.

📞 If you’re unsure about your plan’s changes or comparing new options, call M3 Insurance today.

We’ll help you cut through the noise, verify your coverage, and make sure your plan truly fits your needs for the year ahead."