Medicare can feel confusing when you first approach it. You might hear mixed messages from friends or online sources. We understand—it’s normal to worry about getting it right. That’s why we’re debunking the top five myths with clear facts and engaging visuals so you feel confident.
Myth 1: Medicare Is Completely Free
Many believe Medicare costs nothing. In truth, most people get Part A (hospital) premium-free if they paid taxes 10+ years. But Part B (medical) has a standard monthly premium—about $185 in 2025.
Cost breakdown for Medicare Part A and Part B, dispelling the ‘Medicare is free’ myth
Myth 2: Medicare Covers Everything You Need
People often think Medicare pays for all health care. Actually, it covers basics like hospital stays and doctor visits but skips dental, vision, hearing aids, and long-term care.
· Add a Part D plan for prescriptions.
· Medicare Advantage plans often bundle extras like dental.
· Medigap fills gaps in Original Medicare.
Myth 3: You Can Enroll in Medicare Anytime
This myth leads to costly penalties. You must enroll during specific windows: Initial Enrollment Period (IEP), General Enrollment Period (GEP), and Special Enrollment Periods (SEPs).
Timeline of Medicare enrollment periods
Key Enrollment Periods
· IEP: 3 months before to 3 months after your 65th birthday month
· GEP: January 1–March 31 each year
· SEP: 60 days after qualifying life events (e.g., job loss)
Myth 4: Medicare Advantage Beats Original Medicare Always
Some say Medicare Advantage (MA) plans, which bundle Part A, B, D, are superior. Not always—it depends on your needs. MA offers low premiums and extras but limits you to networks. Medigap plus Original Medicare costs more but gives you freedom to see any Medicare-accepting provider.
Network vs freedom contrast for Medicare plans
Myth 5: You Lose Medicare If You Keep Working Past 65
Fear of losing benefits stops some from switching roles. Truth: You can keep working and still have Medicare. If your employer plan covers 20+ employees, you can delay Part B without penalty and enroll later via SEP when that coverage ends.
Next Step: Review your situation now. List your current coverage and any life changes. Then email us at support@simplestartinsurance.com or call (786) 730-9658 for a free, personalized Medicare myth-busting session. Your peace of mind starts here.
