You know how someone always has a cousin, neighbor, or church friend with the “best advice” for everything?
“Just take Plan G. You’ll never pay a bill again.”
“My uncle says Advantage plans are the only smart option.”
“Don’t listen to agents—they’re just salespeople.”
We’ve heard it all. And here’s the truth: Sometimes that advice comes from a place of love, but it can go wildly off the rails. And unfortunately, we’ve seen way too many people pay the price for following well-meaning—but flat-out wrong—advice from friends and family instead of talking to a licensed Medicare broker in Green Bay, WI who knows the actual facts.
So we’re sharing real stories (don’t worry, names changed!) from people who came to us after things went sideways.
Story #1: The “I Thought This Was Free” Plan
Frank signed up for a Medicare Advantage plan after his old coworker told him it had “no cost and all the same benefits.” Except what they didn’t mention was that Frank’s specialist wasn’t in-network, his prescriptions weren’t covered, and now he was out hundreds of dollars a month. When we met, he was beyond frustrated. Nobody had walked him through the fine print. And his friend? “Oh, it’s worked fine for me.” Of course it did—because they didn’t take six medications or see three specialists like Frank does.
Moral of the story? Just because it works for them doesn’t mean it works for you.
Story #2: The Expired Advice
Eileen had a great plan… in 2019. It worked well back then. But the network changed, her premiums increased, and three of her prescriptions were no longer covered the same way. But she didn’t know any of that—because nobody told her. She thought once you signed up for Medicare, it was set-it-and-forget-it.
We reviewed her coverage, compared her prescriptions across plans, and ended up saving her $78 a month and putting her back with a doctor she thought she had to give up. That’s what a Medicare broker in Green Bay, WI does—we keep an eye on what’s changed so you’re never left behind.
Story #3: The “Facebook Group Told Me” Plan
Carlos had been following a Medicare Facebook group and saw dozens of people praising a specific plan. So he signed up. What he didn’t realize? Every one of those posts came from a different state with totally different plan availability. That plan didn’t even exist in his county. He ended up with a “similar” option that didn’t cover his insulin and didn’t include dental or vision, despite what the comments promised.
He thought he was crowd-sourcing wisdom, but it turned into a disaster.
Pro tip: The loudest voice online isn’t always the most accurate one.
Story #4: The “I Didn’t Want to Bother Anyone” Regret
Then there was Mary. Sweet as could be, and way too polite. She didn’t want to “bug” anyone for help, so she went online and picked a plan by herself. Checked a few boxes, skimmed the summary, hit enroll. Six months later, her doctor moved out of network, she needed a surgery that wasn’t fully covered, and she ended up with medical bills she never expected.
When she finally came in, she cried tears of relief just to have someone explain it to her in plain English. “I just wish I would’ve come in sooner,” she said.
You’re never a bother. This is exactly what we do.
What These Stories Have in Common
It’s not that these folks were careless. It’s that they were trying to make big decisions with half the information—or advice meant for someone else entirely.
That’s why working with an independent Medicare broker in Green Bay, WI matters. You need someone who knows what’s available in your ZIP code, who listens to your specific doctors, prescriptions, budget, and health conditions, and who takes the time to walk you through the options without pushing you toward the one they “always recommend.”
Your Plan Should Be as Unique as You Are
We’ll never assume what’s best for you based on what works for someone else. Your needs are your own. Maybe you’re on a tight income and want the lowest premium. Maybe your health is more complex and you need the most flexibility. Maybe you travel. Maybe you don’t. Maybe you take 10 prescriptions, or maybe none.
Whatever the situation, our job is to match your plan to you, not to what your old co-worker posted online.
Avoiding Regret Starts With a Real Conversation
It takes one conversation. That’s it. No pressure, no sales pitch. Just a sit-down or phone call with someone who will listen and help you understand your options.
And the good news? There’s no extra cost to you. Working with a broker doesn’t increase your premium—it simply gives you better guidance and a second set of eyes to help you avoid making a decision that might lead to regret down the road.
Let’s Get It Right This Time
Whether you’re new to Medicare or think your current plan might not be working for you anymore, let’s take a look together.
We’re not here to make decisions for you. We’re here to make sure the decision you make is the right one—for your doctors, your medications, your health, and your wallet.
Because we’ve seen the stories when things go wrong.
And we’d rather help you write a new one—where it all goes right.