What is one of the the most common misconceptions people have about Medicare?

Question from a Senior: What is one of the the most common misconceptions people have about Medicare?

Advice for Seniors Agent Interview

Without a doubt when they are turning 65 and if they're working or if they have a spouse is working, that they have to sign up for Medicare or they'll pay penalties.

Answered by Ryan Raphael on March 5, 2025

Broker Licensed in MO, AZ, GA, IL & TN

Answered by Ryan Raphael Medicare Insurance Agent
They mix up Medicare with Social Security. These are separate. Medicare is only health insurance and although most qualify, there is a standard number of hours worked or “credits” that must be achieved to get Medicare.

Answered by Mark Maliwauki on March 4, 2025

Broker Licensed in ID, AZ, CA & 15 other states

Answered by Mark Maliwauki Medicare Insurance Agent
That Original Medicare, Part A and Part B, is enough coverage. Remember, Original Medicare Part A is your Hospital Coverage (room and board so-to-speak). Part B is your Medical Coverage (Doctors Visits, lab services, medical treatment, immunizations, ect.).
Original Medicare Part B is only covering 80% of your bill, leaving you responsible for the additional 20%.
You really should have additional coverage to help cover the associated costs, whether that is a Medicare Supplement or a Medicare Advantage plan.

Answered by Samantha Jellison on March 6, 2025

Broker Licensed in NC, FL & SC

Answered by Samantha Jellison Medicare Insurance Agent
Clients are often surprised to find out that in most cases, Medicare Part B is not free. Sometimes this happens because the charge is withheld from the clients monthly social security retirement benefit check and they didn't know it. In other cases, because modified adjusted gross income was high in a particular year, they find the Part B premium to be very expensive and they weren't expecting this. This is part of the process that a trusted advisor utilizes to help prevent client surprises and remove any misconceptions.

Answered by Mark Slemons on March 5, 2025

Broker Licensed in AZ, CO, FL & 14 other states

Answered by Mark Slemons Medicare Insurance Agent
I think the most common misconception about Medicare is that it is FREE and it will cover everything Medical. So I guess that's two but they kind of go hand and hand. Medicare is not free and it does not cover 100% of the bills.

Answered by Travis Lane on March 6, 2025

Broker Licensed in VA

Answered by Travis Lane Medicare Insurance Agent
That Medicare covers all of their healthcare costs. Secondary coverage is a must! Having original Medicare only leaves too big of a gap in grand scheme of things. The secondary coverage will help protect people from unforeseen healthcare events.

Answered by David Rubinstein on March 6, 2025

Broker Licensed in NC, FL, MD & 7 other states

Answered by David Rubinstein Medicare Insurance Agent
When or if to apply for a supplement. And many think Medicare is automatic and it covers everything.

Answered by Maurice Ellis on March 6, 2025

Agent Licensed in MS

Answered by Maurice Ellis Medicare Insurance Agent
It's free, and they have to sign up at 65 regardless. Medicare Part A has a $0 premium for most people, but Medicare Part B's premium is based on your household income from two years ago.

If you are covered by your employer's health plan, you may be able to delay Medicare if you want. This is where a professional can really help.

Answered by Caitlyn Hartmann on March 6, 2025

Broker Licensed in MO, AK, AL & 48 other states

Answered by Caitlyn Hartmann Medicare Insurance Agent

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