Did you know that many people don’t fully understand how Medicare works? With so many parts, rules, and enrollment periods, it’s easy for misinformation to spread. At Medicare Info, we’re here to clear up some of the most common Medicare myths so you can make confident, informed decisions about your healthcare coverage.

Myth #1: Medicare Part B Is Free

One of the most common misconceptions is that Medicare Part B comes at no cost. Unfortunately, that’s not true. Like Medicare Parts A and C, Part B includes monthly premiums, deductibles, copays, and coinsurance. Understanding these costs ahead of time can help you avoid surprises.

Myth #2: You Can Enroll in Medicare Anytime

Medicare enrollment isn’t open year-round. While there are certain situations that allow for Special Enrollment Periods, most people must enroll during designated windows. With Open Enrollment, it’s a great time to review your options and sign up or make changes.

Myth #3: Medicare Costs the Same for Everyone

Medicare costs can vary depending on the coverage you choose. Different plans cover different services, which means out-of-pocket costs may differ from one person to another. Your healthcare needs and plan selection play a big role in what you’ll pay.

Myth #4: Medicare Covers Everything

It would be nice if Medicare covered all healthcare expenses, but that’s not the case.

• Medicare Part A covers hospital stays and inpatient services.
• Medicare Part B covers doctor visits and outpatient care.

Services like prescription drugs, dental, vision, hearing care, and fitness programs typically aren’t covered unless you enroll in additional coverage, such as a Medicare Advantage or Part D plan.

Myth #5: Medicare and Medicaid Are the Same

While both are government-sponsored programs, Medicare and Medicaid serve different purposes. Medicare primarily covers seniors and individuals with certain disabilities, while Medicaid helps people with limited income and resources. Another key difference is how they’re administered: Medicare is federally run, while Medicaid programs are managed by individual states. Some people qualify for both programs, and this is known as being dual eligible.

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Want to learn more or find the Medicare plan that’s right for you?
Now is the perfect time to connect with a licensed insurance professional at Medicare Info. We make it easy to understand your options and find coverage that fits your needs. Contact us today to get started!

Ever wonder which Medicare plan is the right fit for you? Choosing coverage can feel overwhelming, especially with all the options and terminology involved. At Medicare Info, we’ve broken the process down into four key tips to help you feel confident as you compare plans and make the choice that works best for your health and your wallet.

Tip 1: Don’t Focus Only on the Premium

It’s common for people to zero in on a plan’s monthly premium, but that number only tells part of the story. A plan with a low premium may come with higher out-of-pocket costs throughout the year, while a slightly higher premium might offer lower copays, deductibles, or coinsurance.

When comparing plans, be sure to look at the total cost of care, including:

• Monthly premium
• Annual deductible
• Doctor and specialist copays
• Hospital coinsurance
• Prescription costs

Evaluating the big picture can save you money in the long run and help you avoid surprises once you begin using your coverage.

Tip 2: Review the Drug Formulary Carefully

Prescription drug coverage can differ dramatically from one plan to another. Each Medicare plan maintains its own formulary, or a list of the medications it covers. These lists aren’t permanent; they can change every year, sometimes even mid-year.

Before enrolling, take a moment to:

• Confirm that your prescriptions are included
• Check which tier your drugs fall under (tiers affect cost)
• Look for any restrictions like prior authorization or step therapy

A little research upfront ensures that you won’t pay more than expected for the medications you rely on.

Tip 3: Consider Which Benefits Matter Most to You

Original Medicare (Parts A and B) provides essential coverage for hospital and medical services, but it doesn’t include benefits like:

• Prescription drug coverage
• Dental
• Vision
• Hearing
• Wellness extras like gym memberships

If those services are important to you, you may want to explore Medicare Advantage plans or stand-alone Part D and supplemental options. Choosing a plan that aligns with your personal health needs and lifestyle can make a big difference in both cost and convenience.

Tip 4: Take Your Time—There’s a Lot to Consider

There’s no one-size-fits-all Medicare plan. Your health needs, budget, prescriptions, and preferred doctors all play a part in determining the right option.

Take the time to:

• Compare plans side by side
• Make a list of “must-have” benefits
• Think about any upcoming medical needs
• Ask questions if something isn’t clear

A thoughtful approach will help you feel confident that you’re selecting the plan that fits you best—not just for today, but for the year ahead.

Tip 4: Take Your Time — There’s a Lot to Consider

There’s no one-size-fits-all Medicare plan. Your health needs, budget, prescriptions, and preferred doctors all play a part in determining the right option.

Take the time to:

• Compare plans side by side
• Make a list of “must-have” benefits
• Think about any upcoming medical needs
• Ask questions if something isn’t clear

A thoughtful approach will help you feel confident that you’re selecting the plan that fits you best, not just for today, but for the year ahead.

Let Medicare Info Help You Choose With Confidence

You don’t have to sort through Medicare on your own. Medicare Info makes the process simple by connecting you with a licensed insurance agent who can walk you through your options, answer your questions, and help you enroll in a plan that truly meets your needs.

Reach out today and get the Medicare coverage you deserve designed for your health, your budget, and your peace of mind.