Turning 65 marks the start of your Medicare journey, but navigating the system can feel confusing. Many Americans misunderstand key parts of Medicare, leading to costly mistakes.
A survey by the Nationwide Retirement Institute found that nearly three-quarters of older adults wish they understood Medicare better. Between complex rules, enrollment timelines, and coverage gaps, the confusion is understandable.
Here are some of the most common Medicare myths in 2025—and the facts behind them.
Myth: Medicare enrollment happens automatically for everyone
While some individuals who already receive Social Security benefits are automatically enrolled in Medicare Parts A and B, many others must sign up themselves. Failing to enroll during the seven-month Initial Enrollment Period around your 65th birthday could result in penalties.
Myth: Medicare Part B is free
Medicare Part B comes with a monthly premium. In 2025, most beneficiaries pay a standard amount, but high earners may face higher rates. In addition, deductibles, copayments, and other out-of-pocket costs still apply.
Myth: You can enroll in Medicare whenever you want
Most people must enroll during their Initial Enrollment Period. Missing this window can lead to lifelong penalties. However, if you are still working and covered by an employer’s health plan, you may qualify for a Special Enrollment Period with different deadlines.
Myth: Medicare covers everything
Original Medicare (Parts A and B) does not cover prescription drugs, dental care, vision services, or hearing aids. To get broader coverage, beneficiaries often purchase a Part D drug plan, a Medicare Advantage plan, or supplemental insurance.
Myth: Medicare and Medicaid are the same
Medicare and Medicaid are two different programs. Medicare primarily supports people over age 65 and individuals with disabilities, regardless of income. Medicaid provides health coverage to low-income individuals and families, with eligibility and benefits varying by state.
The bottom line
Understanding the realities of Medicare can help you avoid costly surprises and make better healthcare decisions in retirement. Being informed about enrollment deadlines, costs, and coverage options is key to maximizing your benefits.
For more information or help navigating Medicare, visit Medicare.gov.
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