Medicare rules are easier to manage when you separate common assumptions from the actual program rules. Here are seven myths worth checking before you enroll or change coverage.
Myth 1: Everyone is automatically enrolled
Some people are automatically enrolled, especially when they already receive certain Social Security benefits. Others must actively sign up through Social Security.
Myth 2: You can enroll whenever you want after 65
Medicare has specific enrollment periods. Missing an enrollment window can cause delays or late-enrollment penalties unless an exception applies.
Myth 3: Employer coverage always lets you delay Part B
Active-employment coverage and retiree or COBRA coverage are not treated the same. Ask how your current coverage coordinates with Medicare before delaying enrollment.
Myth 4: Medicare covers all dental care
Original Medicare generally does not cover routine dental services.
Myth 5: Medicare Advantage and Medigap are interchangeable
They work differently. You generally cannot use Medigap to pay Medicare Advantage cost-sharing.
Myth 6: Every plan works everywhere
Medicare Advantage networks, formularies, premiums, and service areas vary by plan and location.
Myth 7: Prescription costs are identical in every plan
Drug costs depend on the plan, formulary, pharmacy, coverage stage, and the prescriptions you take.
Start with Medicare.gov’s official guidance and verify your individual situation before acting.