{"id":229,"date":"2026-01-22T13:00:00","date_gmt":"2026-01-22T13:00:00","guid":{"rendered":"https:\/\/www.harringtoninsuranceagency.com\/blog\/?p=229"},"modified":"2026-01-22T13:00:00","modified_gmt":"2026-01-22T13:00:00","slug":"medicare-death-traps-that-will-cost-you-5000-this-year","status":"publish","type":"post","link":"https:\/\/www.harringtoninsuranceagency.com\/blog\/?p=229","title":{"rendered":"Medicare &#8216;Death Traps&#8217; That Will Cost You $5,000 This Year"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>In 2026, Medicare presents several costly pitfalls for retirees. Missing the initial Part B enrollment can lead to permanent 10% penalties per year delayed. Medicare Advantage plans have reduced networks, risking high out-of-pocket costs. Income-related surcharges (IRMAA) can sharply increase premiums based on 2024 income. New prior authorization rules may delay care and cause out-of-pocket expenses. The $2,100 Part D drug cap excludes non-formulary drugs, risking high costs. Active management of benefits is essential to avoid these financial traps.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.savingadvice.com\/articles\/2026\/01\/11\/10713700_5-medicare-death-traps-that-will-cost-you-5000-this-year.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In 2026, Medicare presents several costly pitfalls for retirees. Missing the initial Part B enrollment can lead to permanent 10% penalties per year delayed. Medicare Advantage plans have reduced networks, risking high out-of-pocket costs. Income-related surcharges (IRMAA) can sharply increase premiums based on 2024 income. New prior authorization rules may delay care and cause out-of-pocket [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-229","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=229"}],"version-history":[{"count":1,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/229\/revisions"}],"predecessor-version":[{"id":231,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/229\/revisions\/231"}],"wp:attachment":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}