Medicare Myth Buster
Myth: Medicare is free when you turn 65.
Truth: While Part A is often premium-free, most people pay a monthly premium for Part B, plus deductibles and coinsurance.
Myth: Medicare covers all your healthcare needs.
Truth: Medicare does not cover long-term care, dental, vision, hearing aids, or most prescription drugs without extra plans.
Myth: You can enroll in Medicare anytime after 65 without penalty.
Truth: Delaying enrollment without other creditable coverage may lead to lifetime late penalties.
Myth: Medicare Advantage is the same as Original Medicare.
Truth: Medicare Advantage is a private plan alternative. It must offer the same basic benefits, but has its own rules, networks, and costs.
Myth: Medicare automatically covers your spouse.
Truth: Medicare is individual-only. Your spouse needs their own enrollment and coverage.