Health
Medicare Annual Open Enrollment Period 2023: 7 Costly Mistakes to Avoid

Medicare’s Annual Enrollment Period (AEP) is a crucial time for retirees, running from October 15th to December 7th, 2023. It offers an opportunity to review and adjust your Medicare coverage to better align with your healthcare needs. However, many people inadvertently make mistakes during this period that can affect their health and financial well-being. In this article, we will delve into the significance of the AEP and shed light on seven common mistakes to steer clear of for the Medicare open enrollment period 2023 of this year.
Understanding the Medicare Annual Enrollment Period
The Medicare Annual Enrollment Period, or AEP, is an annual window from October 15 to December 7 when individuals with Medicare can make changes to their plans. During this time, you have the flexibility to choose between Original Medicare or opt for a new Medicare Advantage plan. Additionally, you can modify your prescription drug coverage through Medicare Part D.
Mistake 1: Not Reviewing Your Current Plan
One of the most common mistakes retirees make is assuming that their current Medicare plan will remain unchanged. In reality, plans can undergo significant alterations from year to year. To avoid this pitfall, it is imperative to thoroughly review your existing plan. Assess whether it still meets your healthcare needs and financial expectations.
Mistake 2: Overlooking Prescription Drug Coverage
Failing to review your prescription drug coverage can lead to unexpected expenses. Drug formularies, which list the medications covered by your plan, can change annually. Neglecting to check these updates may result in higher out-of-pocket costs or the realization that your essential medications are no longer covered.
Mistake 3: Ignoring Changes in Healthcare Needs
Your health status can evolve. Ignoring these changes can lead to missed opportunities for benefits that align better with your evolving health requirements. Conversely, it might lead to unnecessary expenses by paying for coverage you no longer need. Regularly assess your healthcare needs to ensure your Medicare plan remains suitable.
Mistake 4: Not Exploring Other Plans
Many retirees limit their exploration of alternative Medicare plans. AEP presents an ideal opportunity to investigate different choices and find a plan that may be more affordable or better suited to your preferences and health requirements.
Mistake 5: Disregarding Network Changes
Medicare Advantage plans often involve networks of healthcare providers, including doctors, hospitals, and specialists. These networks can change, and your preferred healthcare professionals may no longer be in-network. This oversight could result in higher costs or necessitate finding new healthcare providers.
Mistake 6: Focusing Solely on Premiums
While premiums are a vital cost consideration, fixating solely on this aspect can be misleading. Plans with low premiums may come with higher deductibles and copayments. It is crucial to evaluate the comprehensive cost of a plan, including potential out-of-pocket expenses, to determine its true affordability.
Mistake 7: Procrastinating
Delaying your Medicare plan changes until the last minute during the AEP can lead to missed opportunities and rushed decision-making. To make informed choices that align with your healthcare needs, initiate the process early, allowing ample time for research, decision-making, and enrollment.
Navigating the complexities of the Annual Enrollment Period can be challenging and time-consuming. At Exact Medicare, we are dedicated to guiding you through the process to ensure you select the right plan tailored to your unique healthcare needs. Don’t hesitate to reach out to us at 380-242-2006 or schedule an appointment at ExactMedicare.com for expert assistance. Your health and peace of mind are our top priorities during the Medicare AEP.
Health
The Scientist as Storyteller: How Steven Quay Makes Complex Medicine Relatable

Scientific discovery often struggles to reach the people it is meant to serve. The distance between research and public understanding can be vast. For most scientists, publishing in peer-reviewed journals is the endpoint. For Dr. Steven Quay, it is only the beginning. His career has been defined not just by what he has discovered, but by how he communicates it.
Scientific trust today faces growing skepticism and misinformation spreads faster than facts, Quay has embraced a rare role. He is both a scientist and a storyteller. His ability to bridge the technical and the human is what makes his voice resonate across disciplines, institutions, and communities.
Writing as a Lens into the Human Side of Science
One of the clearest examples of Quay’s narrative instinct lies in his writing. He has authored three major books, each rooted in a different part of his life and expertise. Together, they show how a medical researcher can also be an accessible public thinker.
In Stay Safe: A Physician’s Guide to Survive Coronavirus, published June 5, 2020, during the first days of the pandemic, Quay offered plainspoken, evidence-based guidance on protecting oneself and one’s family. It was not framed as a political statement or a policy directive. It was personal and grounded in the daily realities people faced. He wrote it not just as a scientist, but as someone who wanted to help others navigate a frightening time with clarity and calm.
His second book, The Origin of the Virus, tackled a more complex and controversial subject: the question of how SARS-CoV-2 emerged. Rather than speculate, Quay walked readers through the scientific evidence with the kind of transparency that is often lacking in public discourse. The tone was methodical, never alarmist. What set the book apart was its balance, engaging to a lay reader, yet rigorous enough to be taken seriously by professionals.
Then there is A Ride Through Northville, a deeply personal departure from the world of virology and oncology. Here, Quay revisits his childhood in Michigan, capturing the streets, friendships, and quiet moments that shaped him long before he entered a lab. The structure of the book mimics the experience of riding a bike through town, evoking memory not as a chronology, but as a sensory journey. For a scientist whose career has involved high-stakes research and global debates, this book offers a rare window into the reflective, grounded person behind the work.
Speaking Clearly Without Speaking Down
Quay’s communication skill is not limited to the written word. He has also become a frequent guest on health-focused podcasts and a speaker at public science forums. His TEDx talk on breast cancer prevention is one of the most viewed videos on the subject, and for good reason. He does not rely on drama or abstract theory. Instead, he explains mammographic density, hormonal risk, and clinical trial design in a way that makes the science both comprehensible and actionable.
In interviews, Quay has a habit of slowing things down. He avoids jargon unless he defines it. He is comfortable saying, “We don’t know yet,” which, in the realm of public science, is a kind of honesty that builds trust. He often discusses Atossa Therapeutics’ trials in plain terms, describing how experimental drugs like (Z)-endoxifen might help certain patients respond better to treatment. He emphasizes that these are ongoing studies, not marketing pitches, which sets him apart from many biotech executives.
Educating the Public Without Oversimplifying
One of the challenges of public-facing science is resisting the urge to oversimplify. Many well-intentioned scientists flatten complexity to fit the constraints of social media or mainstream news. Quay does not follow that path. He explains mechanisms and hypotheses with nuance, trusting that readers and listeners are capable of understanding more than they are often given credit for.
His social media presence reflects the same philosophy. He shares articles and research updates, but rarely with alarm or bravado. When he comments on current medical debates, he tends to lead with evidence rather than opinion. That steady tone has earned him a following that spans across ideological and professional divides.
During the pandemic, this approach stood out. While others chased headlines, Quay focused on distilling evolving guidance into practical advice. He acknowledged the limits of current knowledge, updated his views as new data emerged, and emphasized science as an iterative process. His voice became one that many people turned to not for certainty, but for clarity.
A Scientist’s Responsibility Beyond the Lab
Quay has often said that science does not exist in isolation. It is part of society. That belief informs why he writes, speaks, and engages in public discourse as actively as he does. He sees the scientist’s role not just as a producer of knowledge, but as a custodian of its meaning.
He has testified before the U.S. Congress and advised the State Department, not as a politician but as a physician-scientist committed to accuracy. In each case, his contribution has been grounded in data but shaped by a recognition of the human implications of policy and research.
This is especially evident in his work on breast cancer. By advocating for better screening tools and more personalized treatments, Quay speaks not only to clinicians and investors but to women facing real fears about their health. He explains the science behind mammographic density and hormonal modulation not just with charts, but with stories about what those risks mean in someone’s life.
Storytelling as a Form of Service
What makes Quay’s communication style compelling is that it never feels performative. He is not branding himself or building a media empire. He is doing what he believes scientists should do: make their work useful.
In every form of his storytelling, from the deeply personal to the technically specific, there is a throughline of responsibility. He understands that science touches people’s lives in ways that go far beyond the lab. For him, that means speaking clearly, writing honestly, and never underestimating the audience.
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