Medicare is an insurance program run by the government that provides healthcare services to those over 65 years of age. Unfortunately, many myths and misconceptions surrounding Medicare can lead people to make incorrect assumptions about the program’s purpose and coverage. To help clear up some of the confusion, let’s look at some of the most common myths and misconceptions about Medicare and see if they have any truth.
Myth #1: Medicare Covers Everything
One of the most common myths about Medicare is that it covers all your healthcare costs. While Medicare does cover some of your healthcare expenses, it is important to remember that it does not cover everything. Medicare only covers certain medical expenses, such as hospital stays, doctor visits, and certain preventive services. It does not cover long-term care, most dental services, vision care, or hearing aids.
Myth #2: Medicare Is Free
Another common misconception about Medicare is that it is free. While Medicare does not generally charge premiums for Part A coverage, it does come with some out-of-pocket costs, such as deductibles and copayments. Medicare Part B and Part D also come with monthly premiums and other out-of-pocket costs.
Myth #3: You Can’t Change Your Medicare Plan
Many people also think that they are stuck with a Medicare plan once they sign up for it. However, that is not the case. You can change your plan each year during the annual enrollment period, and you may be able to switch plans at other times if you have a qualifying life event.
Myth #4: You Need A Doctor’s Referral To See A Specialist
Another common misconception about Medicare is that you need to get a referral from your primary care doctor to see a specialist. However, this is not true. You can see any specialist you like without a referral from your primary care doctor as long as the specialist accepts Medicare.
Knowing the Truth About Medicare
It is easy to become confused about Medicare due to the myths and misconceptions about the program. But the truth is easy to spot with the right help — that’s where The Benefit Link comes in.
We’re your main source for the best Medicare coverage. To learn more, schedule a consultation, or call (972) 236-3348.
