What's a common Medicare myth that even some agents still believe?

Question

Bryan Smith · Accepted Answer

I'd say that some agents still think they have to take additional tests in order to get a non-resident license.

Brian Krantz · Answer

That Medicare Advantage plans are always the best option. A lot of agents push them because they’re paid more to sell them — but that doesn’t mean they’re the right fit for everyone.

Antonio Espino · Answer

This question is going to get me in trouble LOL!

I believe some agents believe that no matter what other agents say...to get a Medicare Supplement is ALWAYS the best way to go. 

I do not believe that. I believe it depends on the persons health, life style, and financial means. Also, how one frequents the doctors.

Even a Medicare Advantage with a giveback plan can be a great plan for some people.

I understand it's a hot take, but I truly stand by this.

Patrick Bullock · Answer

I still run across folks who think Medicare will cover nursing home costs. It is surprising how many people think that when the time comes, they will move to a nursing home and it will be paid by Medicare. I always take the time to explain the difference between custodial and skilled care so there are no illusions about what is and isn't covered.

Answered by Patrick Bullock on April 22, 2025

Broker Licensed in PA, DE, FL, NJ & VA

Answered by Patrick Bullock Medicare Insurance Agent

Alyssa Gonzales · Answer

I hear this all the time! "You can only change your Medicare Supplement plan during the Annual Enrollment Period (AEP)."

 That’s not true! You can apply to switch your supplement plan any time of year — as long as you can pass medical underwriting (in most states).

If you are wanting to go from a Medicare Advantage Plan to a Medicare supplement outside of Annual Enrollment Period then you need to make sure you have a qualifying Special Enrollment Period (SEP) before you begin.

Timothy Brown · Answer

If you 're a Medicare agent, there shouldn't be any myths on your behalf, Our job is to dispel the myths that existing or potential clients believe.

Satoshi Aoki · Answer

First, I will speak under the assumption that there is no Medicare myth among most agents.

I think some agents think that it is better to enroll in a Medicare Supplement Plan with Part A and Part B rather than a Medicare Advantage Plan. This is an assumption considering the advantages of the scope of coverage and the greater number of doctor choices.

Conversely, there may be agents who think that the Advantage Plan is better.

However, this differs depending on each customer's situation, so it is not absolute.

I think that the agent's role is ultimately to suggest which plan is most suitable for the customer's situation.

Fred Manas · Answer

A common Medicare myth, even among some agents, is that you can enroll in Medicare Part B at any time after age 65 without penalty. This is incorrect, as there are specific enrollment periods and penalties for late enrollment. Enrollment periods are designed to ensure people don't delay coverage unnecessarily. Delaying enrollment can result in a penalty.

Answered by Fred Manas on May 8, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Ryan Ross · Answer

Medicare is totally free... 

The truth is, Part A might be "free", you will still have costs with Part B, dug plans and any extra plans like dental, vision, Advantage plans or Medigap. The extra costs can add up. If you would like a review of your plan or if you have questions I would be happy to help.

What's a common Medicare myth that even some agents still believe?

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What's a common Medicare myth that even some agents still believe?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website