10 Things Most People Don’t Know About Medicare
10 Things Most People Don’t Know About Medicare
Most people assume Medicare will be simple… until they actually have to make decisions.
The truth is, there are a lot of little-known rules that can cost you money if you don’t understand them.
Here are 10 things most people don’t know about Medicare 👇
1. Medicare Is NOT Free
Many people assume Medicare is free—but that’s not true.
- Part A is usually free
- Part B has a monthly premium ($202.90 in 2026)
- Supplements and drug plans also cost extra
👉 You need to plan for these costs.
2. You Can Be Penalized for Signing Up Late
If you don’t enroll on time:
- Part B penalty = lifelong increase
- Part D penalty = lifelong increase
👉 These penalties never go away and increase over your lifetime.
3. Medicare Doesn’t Cover Everything
Medicare does NOT cover:
- Dental
- Vision
- Hearing aids
- Long-term care
👉 Many people are surprised by this. (Some medicare advantage plans do offer Dental, Vision, Hearing)
4. You May NOT Need Medicare at 65
If you’re still working and have employer coverage:
- You may be able to delay Medicare
- BUT only if your employer plan qualifies
👉 This is where a lot of people make mistakes.
5. You Can Change Plans Every Year
You’re not locked in forever.
👉 Every year (Oct 15 – Dec 7), you can:
- Switch Advantage plans
- Change drug plans
You cannot switch Medicare Supplement plans unless you pass the medical guidelines or use the Birthday Rule.
6. Medicare Supplements Don’t Include Drug Coverage
Medicare Supplement (Medigap) plans:
- Cover medical gaps
- Do NOT include prescriptions
👉 You need a separate Part D plan.
7. Your Income Can Affect Your Premiums
Higher income = higher Part B and Part D premiums.
👉 This is called IRMAA (Income-Related Monthly Adjustment Amount)
8. Not All Plans Cover the Same Doctors
With Medicare Advantage:
👉 Networks matter (HMO vs PPO)
If your doctor isn’t in-network, you could pay more. If you do go with an advantage plan, make sure to know the network!
9. The Cheapest Plan Isn’t Always the Best
Low premiums can mean:
- Higher out-of-pocket costs
- More restrictions
👉 The right plan balances cost AND coverage.
10. You Don’t Have to Figure This Out Alone
Medicare is confusing—and it’s okay to get help (especially when it doesn’t cost you anything).
👉 The right guidance can:
- Save you money
- Help you avoid penalties
- Give you peace of mind
- Help plan for present and future.
📞 Need Help With Medicare in Utah?
If you’re feeling overwhelmed, you’re not alone.
I help people all over Utah:
- Understand their options
- Compare plans
- Choose what fits best
👉 Call or text: 801-369-3090
👉 Email: tyler@proinsurances.com
No pressure—just clear answers.
🧠 Final Thoughts
The biggest mistake people make with Medicare is assuming it’s simple.
👉 It’s not super hard—but it is important to get right.
