Myth #1: “Medicare is free.”

Truth: You’ve paid into Medicare through taxes during your working years, but most people still pay monthly premiums, deductibles, and copays. For example, Part A (hospital coverage) is usually premium-free if you’ve worked enough quarters, but Part B (medical coverage) always comes with a monthly premium.

Myth #2: “I’ll automatically get everything I qualify for.”

Truth: Medicare isn’t one-size-fits-all. You don’t automatically get dental, vision, or hearing coverage with Original Medicare. To get those extras, you often need to add a Medicare Advantage plan or separate policies.

Myth #3: “I have to keep the same plan forever.”

Truth: Every year during the Annual Enrollment Period (October 15 – December 7), you can review your options and make changes. Plans update their costs and coverage every year—so what worked last year may not fit this year.

Myth #17: “I don’t need help—I’ll just pick the plan with the most ads.”

Truth: The loudest ads aren’t always the best fit. Plans change every year, and the fine print matters. That’s why guidance from a licensed agent who actually looks at your doctors, prescriptions, and situation can save you headaches.