06/30/2026
MEDICARE Myth vs. Fact
Myth vs. Fact Table
MYTH
All Medicare is free.
FACT - Part A may be free if you've worked enough years, but Part B has a premium starting around $202.90. Other costs may apply.
MYTH - Medicare covers everything.
FACT - Medicare does not cover all services, such as dental, vision, and long-term care, unless you have a Medicare Advantage or supplemental plan.
MYTH - You are automatically enrolled at 65.
FACT - You are only automatically enrolled if you are receiving Social Security benefits. Otherwise, you must sign up during your Initial Enrollment Period.
MYTH - You can enroll in Medicare anytime.
FACT - Enrollment is limited to specific periods, primarily the Initial Enrollment Period around your 65th birthday.
MYTH - Medicare is just for seniors.
FACT - While most beneficiaries are 65 or older, younger individuals with certain disabilities can also qualify.
You need both Parts A and B for a supplement plan.
FACT - You must have both Parts A and B to enroll in a Medicare supplemental plan.
MYTH - Medicare can drop you for health issues.
FACT - Medicare cannot drop you due to major health issues or high claims.
MYTH - You must change your plan during the Annual Enrollment Period.
FACT - If you are satisfied with your current plan, you do not need to make any changes.
MYTH - Medicare Advantage plans are more expensive.
FACT - Many Medicare Advantage plans can be cost-effective, sometimes offering lower out-of-pocket expenses compared to Original Medicare.
MYTH - Medicare Advantage limits your choice of doctors.
FACT - Many Medicare Advantage plans provide a wide network of doctors and hospitals, similar to other insurance types.
* Coverage Gaps: To cover services not included in Original Medicare, consider Medicare Advantage or supplemental plans that may offer additional benefits.
Understanding these myths and facts can help you make informed decisions about your Medicare coverage.
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