The Top 5 Mistakes to Avoid During Medicare AEP 2025

The Annual Enrollment Period (AEP) is one of the most important times of the year for Medicare beneficiaries. From October 15 to December 7, you have the opportunity to review your plan, switch coverage, or find new options that better suit your healthcare and financial needs.

But with so many plan types, details, and deadlines, it’s easy to make mistakes that could cost you money or limit your coverage. That’s why PNJ Financial Solutions is here to help you navigate AEP 2025 with confidence and clarity.

🚫 1. Ignoring the Annual Enrollment Period

Many people assume their current Medicare plan is still the best choice. However, plan benefits, premiums, and provider networks often change every year.
If you skip reviewing your plan, you could end up paying more — or losing access to your preferred doctors or prescriptions.

✅ Tip from PNJ Financial Solutions: Always schedule a Medicare review before the AEP deadline to make sure your plan still meets your needs.

📄 2. Not Comparing Plans

Even if you’re happy with your current plan, comparing other options can reveal better coverage or lower costs. New Medicare Advantage and Part D plans often enter the market each year, sometimes offering more benefits for less.

✅ Tip: PNJ Financial Solutions provides side-by-side plan comparisons to help you identify opportunities to save or upgrade your benefits.

💊 3. Forgetting to Check Prescription Coverage

One of the most common AEP mistakes is not reviewing your Part D prescription drug coverage. Medications and formularies change — meaning your drugs might not be covered next year or may cost more.

✅ Tip: Let PNJ Financial Solutions review your prescriptions to ensure your medications are still affordable and covered under your plan.

🕒 4. Waiting Until the Last Minute

Waiting until late November or early December to review your Medicare plan can lead to rushed decisions or missed deadlines. By planning early, you’ll have more time to compare, ask questions, and make the best choice for your health and budget.

✅ Tip: PNJ Financial Solutions recommends starting your AEP review as soon as the window opens on October 15.

💬 5. Not Getting Professional Help

Medicare rules and plan options can be confusing, especially with yearly updates. Many beneficiaries make mistakes by trying to handle everything alone.

✅ Tip: With PNJ Financial Solutions, you’ll work with licensed insurance professionals who explain your options clearly and ensure your plan is the right fit.

🌟 Make AEP 2025 Stress-Free with PNJ Financial Solutions

Choosing the right Medicare plan doesn’t have to be complicated. PNJ Financial Solutions provides personalized consultations, expert plan comparisons, and trusted guidance so you can make informed decisions — without stress or confusion.

Don’t let mistakes cost you money or coverage this year. Contact PNJ Financial Solutions today at www.pnjinsurance.com to schedule your free Medicare plan review!