MEDICARE IS COMPLIMENTARY
Part A (hospital insurance) is often free for many people. For instance, if you pay ten years of Medicare payroll taxes, you will receive Part A for free. Others will pay the full monthly premium or receive a subsidy based on their Medicare payroll tax history.
All other parts of Medicare Part B (medical insurance), Part D (prescription pharmaceutical coverage), and Medigap require a monthly premium (Medicare supplemental insurance). Additionally, programs under Part C (Medicare Advantage) impose a monthly premium.
I AM INELIGIBLE FOR MEDICARE DUE TO MY POOR HEALTH
Your eligibility for Medicare is determined by your Social Security income, not by your health. Medicare cannot deny coverage due to a pre-existing condition. Additionally, it cannot increase your rates if you are ill.
MEDICARE INCLUDES ALL TYPES OF CARE, INCLUDING LONG-TERM CARE
Many people believe that Medicare coverage is identical to that of their regular health insurance in that it covers nearly everything. Medicare, in fact, covers the vast majority of fundamental healthcare requirements. Hospitalizations, lab tests, doctor visits, same-day surgery, and preventative care are all included as essential requirements. Long-term care, on the other hand, is not covered.