Call Us Today


Schedule A Consultation

Contact Us Today

Live Chat
Speak with a licensed Medicare professional today.

What Is The Secret Behind Free Healthcare?

If you’ve been watching TV, you may have seen advertisements for free healthcare. “Get your health insurance for free!” You may have wondered what they mean by free healthcare, or if it’s even possible. Here’s the secret: there’s no such thing as free healthcare in the United States. You’ll pay for exactly what you’ll get. Let’s take a look at the facts behind the myth of free health insurance. 

Medicare Advantage Plans

Many of the commercials are advertising Medicare Advantage Plans as the free health insurance plans they’re referencing. Medicare Advantage Plans are an alternative to Original Medicare. These are plans offered by private insurance companies to replace Medicare. While they have to cover the same things as Medicare Parts A and B. While they may offer bonuses they often severely restrict your freedom. Many doctors’ offices and hospitals don’t accept many Medicare Advantage plans, restricting where you are able to get your care. 

The Truth About Free Advantage Plans

Some Medicare Advantage Plans advertised on TV are often called free. They’re called “free” because a lot of these plans may not have premiums outside of your Original Medicare premium. For example, when you get on Medicare Part B, there is a monthly premium that you pay (unless you receive financial assistance). When you instead decide to enroll in a Medicare Advantage Plan, the premium that you were paying for Medicare Part B then goes to the Medicare Advantage Plan that you choose. You’re still paying for the Advantage plan, but they just say it’s free because it doesn’t cost more than Original Medicare

You Get What You Pay For

In some Medicare Advantage Plans, you pay as you go. So while it may not cost you anything until you get sick, it may cost you an arm and a leg once you get sick. And when you get sick is when you need your health insurance the most. 

Many Medicare Advantage Plans require preauthorization and may not be accepted by some doctors or hospitals. You could be denied physical therapy, may have to pay up to 20% of your chemotherapy, etc. So while it may be “free” and cost you little up front, you won’t be able to get a lot of health services either. Zero dollars for zero results. 

The Secret Revealed

The secret is out: there’s no free healthcare. Stop and evaluate what you’re going to get for free. If you’re on a limited income, make sure that you have good healthcare. You especially won’t have the luxury of having out-of-pocket expenses if you have finite resources. You are valuable. Your healthcare is valuable. The care you get is valuable. There’s nothing more important than having the healthcare that you deserve.

Schedule A Consultation

It can be difficult to know whether or not you have proper coverage, but we can help!

Any questions? Feel free to give us a call.



Medicare Alone Is Not Enough

Compare Medicare Plans Now!

TCPA Consent & Privacy

The Benefit Link, a Licensed Insurance Agency with its physical office in Texas, employs insurance agents (producers), and through such agents, can provide these services to clients in all 50 States of the USA. By clicking on a form, you authorize The Benefit Link to call you and send pre-recorded messages, text messages, and in-app Facebook messages to you about The Benefit Link products and services at the telephone number you have on file with Facebook, or any other telephone number or contact information that you provide to The Benefit Link, including your mobile phone if provided, using an automated dialer and email, even you are on the national or state “Do not Call” list. You understand that your consent is not a requirement to purchase products and services from The Benefit Link. Message and data rates may apply, and you can opt-out anytime.