Top Medicare Myths—Fact-Checked

At Maine Medicare Simplified, we believe that understanding your Medicare options shouldn’t be confusing. Every day, we meet people who have heard conflicting information—so let’s clear up some of the most common Medicare myths.

Myth #1: Medicare is free for everyone.

Fact: Only Part A (hospital insurance) may be premium-free—if you or your spouse paid Medicare taxes for at least 10 years. Parts B (doctor visits), C (Medicare Advantage), and D (prescription drug coverage) typically come with monthly premiums, deductibles, and copays.

Myth #2: Medicare covers everything.

Fact: Original Medicare (Parts A & B) covers hospital and medical care, but not dental, vision, hearing aids, or long-term care. To get those services, you’ll need to explore supplemental plans or a Medicare Advantage plan that includes extra benefits.

Myth #3: You're automatically enrolled at age 65.

Fact: Most people need to enroll themselves. Your Initial Enrollment Period (IEP) starts three months before your 65th birthday. Miss it, and you could face penalties or coverage gaps.

Myth #4: You can enroll in Medicare anytime.

Fact: Medicare has specific enrollment windows. Outside of your IEP, you generally need to wait for the Annual Enrollment Period (AEP) or qualify for a Special Enrollment Period (SEP). Missing the right window can mean delayed coverage and higher costs.

Myth #5: All doctors accept Medicare.

Fact: Not all providers accept Medicare. Some may be “non-participating” or opt out entirely. Always confirm with your doctor before making appointments.

Myth #6: You’re stuck with your plan forever.

Fact: Medicare plans can be changed during the Annual Enrollment Period (October 15 – December 7). This is your chance each year to switch to a plan that better fits your needs.

Myth #7: Medicare covers care abroad.

Fact: Original Medicare does not cover international care in most cases. Some Medigap plans may offer limited foreign travel coverage, but it’s best to plan ahead if you travel frequently.

Myth #8: Your spouse’s Medicare will cover you.

Fact: Medicare is individual coverage. You and your spouse must each qualify and enroll separately—just like health insurance in the marketplace.

Myth #9: Medicare covers long-term care.

Fact: Medicare may cover short-term skilled nursing care after a hospital stay, but it does not cover custodial care, assisted living, or nursing home care. Long-term care insurance or Medicaid are separate paths to explore.

Still Have Questions? Annette Can Help.

Medicare decisions are too important to leave to guesswork. If you’re unsure about what Medicare covers or when to enroll, Annette at Maine Medicare Simplified is here to guide you every step of the way.

📞 Reach out today at www.mainemedicaresimplified.com
💬 Personalized help. Clear answers. Peace of mind.