What services does MyMedicareMike.com offer?

We help individuals understand, compare, and enroll in Medicare plans. Our team provides personalized guidance on Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans so you can make informed decisions with confidence.

Do you charge for Medicare consultations?

No, our services are completely free to you. As licensed and independent Medicare advisors, we’re compensated by the insurance carriers, not our clients.

What’s the difference between Medicare Advantage and Medicare Supplement Plans?

Medicare Advantage (Part C) replaces your Original Medicare and often includes extras like dental or vision. Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket costs such as copays and deductibles.

Can you help me review my current Medicare plan?

Absolutely. We provide free annual plan reviews to ensure your coverage still fits your healthcare needs and budget, since plans and costs can change each year.

When can I enroll or make changes to my Medicare plan?

The Annual Enrollment Period runs from October 15 to December 7 each year. During this time you can switch, drop, or enroll in new Medicare plans. Special Enrollment Periods may apply after certain life events.

Do you represent specific insurance companies?

No. We’re an independent agency and work with multiple top-rated carriers to find the plan that best fits your needs.

Can you assist if I’m turning 65 soon and new to Medicare?

Yes. We specialize in helping first-time enrollees understand their options, avoid penalties, and get started with the right coverage before their 65th birthday.

Do you offer in-person or virtual appointments?

We offer both. You can schedule a face-to-face meeting at our New York office or connect virtually from anywhere for the same personalized guidance.

What if I’m on Medicaid or have other health coverage?

We can help you coordinate your Medicare benefits with existing coverage—including Medicaid or employer plans—so you maintain important benefits and avoid gaps.

How can I get started with MyMedicareMike.com?

Call us or fill out the contact form on our website to schedule a free consultation. We’ll walk you through your options and help you choose coverage that gives you peace of mind.

What Happens If You Picked a Medicare Plan Just to “Get It Done”

For many people, the Medicare decision doesn’t happen in a calm, open space.

It happens during a busy season of life. Mail is piling up. Deadlines are approaching. Advice is coming from all directions.
And at some point, a very human thought takes over:
“I just need to pick something and move on.”
If that’s how you chose your Medicare plan, you’re far from alone — and it doesn’t automatically mean you made a bad decision.

Why So Many Medicare Choices Are Made Under Pressure

Medicare enrollment often overlaps with:
● Retirement decisions
● Work transitions
● Health changes
● Family responsibilities
Add confusing terminology and constant marketing, and it’s no surprise many people prioritize completion over confidence.
Choosing a plan to “get it done” is usually about managing stress — not carelessness.

What Usually Happens After a Rushed Medicare Decision

Most people don’t immediately regret their choice.
Instead, what shows up later is quieter:
● Lingering uncertainty
● Questions you didn’t know to ask
● A sense that you don’t fully understand what you chose
That doesn’t mean the plan is wrong. It means the decision happened faster than the learning.

Why a Fast Decision Isn’t the Same as a Bad One

It’s important to separate how a decision was made from whether it was reasonable.
Many Medicare plans are designed to work well for a wide range of people.
If your plan:
● Allows you to see your doctors
● Covers your medications
● Fits your budget
Then a rushed decision may still land you in a perfectly acceptable place.

When a “Get It Done” Choice Deserves a Second Look

Sometimes, speed does matter later on.
It may be worth reviewing your choice if:
● You don’t understand how costs apply
● You’re avoiding care because you’re unsure what it will cost
● Your health situation has changed
● You’re relying on assumptions rather than clarity
A review doesn’t automatically mean a change — it simply brings understanding.

Why Panic Changes Usually Make Things Worse

One common reaction to uncertainty is urgency:
“I should switch before it’s too late.”
Unfortunately, reactive changes often create more confusion.
Medicare decisions tend to work best when they’re:
● Calm
● Informed
● Intentional
Rushing a second time rarely fixes the discomfort from the first rush.

What Helps Restore Confidence

People feel steadier once they:
● Learn what their current plan actually does
● Understand which situations trigger costs
● Separate facts from assumptions
Clarity often resolves uncertainty without requiring a change.

A More Reassuring Perspective

If you picked a Medicare plan just to “get it done,” that decision came from wanting relief — not from neglect. With time, experience, and clear explanations, many people discover their choice
works better than they expected. And if adjustments are ever needed, they’re best made calmly, with
understanding — not pressure. This article is part of Week 1 in a Medicare education series designed to prepare people for the real-world Medicare experience.

Q & A: Common Questions After a Rushed Medicare Choice

Does choosing a Medicare plan quickly mean I made a mistake?

No. Many people make fast decisions and still end up with reasonable coverage.

Should I change my plan just because I feel unsure?

Not necessarily. Feeling unsure is common and often improves with understanding, not switching.

When does it make sense to review my Medicare choice?

If you don’t understand your costs, are avoiding care, or your health has changed, a review can be helpful.

Is it risky to make changes too quickly after enrolling?

Yes. Changing plans without clarity can create more confusion instead of solving it.

Choosing the Right Medicare Coverage

Selecting the best Medicare coverage depends on factors like your healthcare needs, budget, and preferred providers. You can choose between:

Original Medicare (Parts A & B): Allows you to see any doctor or
hospital that accepts Medicare but does not include prescription drug
coverage (Part D) or additional benefits.
Medicare Advantage (Part C): Offers bundled coverage with
potential extra benefits but may require using a network of providers.
Medigap (Medicare Supplement Insurance): Helps cover
out-of-pocket costs not covered by Original Medicare, such as
copayments and deductibles.

Key Medicare Enrollment Periods

It is crucial to enroll in Medicare at the right time to avoid penalties and ensure continuous coverage:

Initial Enrollment Period (IEP): A seven-month window starting
three months before your 65th birthday month.
General Enrollment Period (GEP): From January 1 to March 31
each year for those who missed their IEP.
Annual Election Period (AEP): From October 15 to December 7,
allowing you to switch or enroll in Medicare Advantage and Part D
plans.
Open Enrollment Period(OEP): From January 1 to March 31 for
those who missed AEP and want to make certain changes.
Special Enrollment Period(SEP): Can be used anytime during the
calendar year for those that meet certain criteria such as moving to a
new service area.

Finding Help with Medicare

Understanding Medicare can be complex, but you don’t have to do it alone. Licensed Insurance Brokers, Medicare.gov, and state health assistance programs can provide guidance tailored to your specific needs.

By taking the time to explore your Medicare options, you can make informed decisions that ensure you receive the healthcare coverage that best suits your lifestyle and budget.

Do I have to sign up for Medicare?

It depends upon your current coverage. If you are employed and your employer has over 20 employees then you can delay signing up for Medicare and avoid penalties.

Does Medicare cover Prescription Medications?

No, You will have to enroll in a stand alone Part D plan or a Medicare Advantage Plan(Part C) to get coverage.

I want to be able to go to any doctor/hospital, are there networks with Medicare?

There are no networks with Medicare and most doctors and hospitals accept it. However, Medicare does not cover 100% of services so a Medicare Supplement or Medicare Advantage plans is advisable.

Mike Miligi- Owner

For over 10 years, Mike has been assisting Seniors and other Medicare-eligible individuals in understanding the ins and outs of Medicare and Medicare Health Insurance options, including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD), and Dental and Vision programs.

Mike is Licensed in seven States and Certified with 11 Insurance Carriers. He has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client, not the Insurance Carriers, and is able to provide his clients with accurate and unbiased Health Insurance options.

Mike recertifies with CMS(The Centers for Medicare and Medicaid Services) annually, regularly completes Continuing Education Courses required by individual State Insurance Departments, and keeps abreast of industry trends and standards to offer his clients the most up-to-date information.