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There are many misconceptions when it comes to Medicare and Medicare supplements. As a result, many people come to us and ask if Medicare supplements have specific networks of doctors and that’s a very common question.


First of all, it’s important to know that there are some Medicare plans that have networks while others work with doctors that accept Original Medicare. Some plans have more freedom than others.


Medicare Mentor has helped thousands of seniors in the past that had misconceptions about Medicare and Medicare supplements. We decided to write this article so you can have a better idea of how Medicare and Medicare supplements work.


This article will shed more light on the top 5 misconceptions about Medicare and Medicare supplements.

“When I turn 65, I’ll get Medicare for free.” 

This one is not true in most cases because Medicare Part B has a premium (currently $134/month) and it’s typically paid as a deduction from your social security check.

If you are not receiving Social Security, then you can pay this quarterly by getting a bill. This amount can be higher or lower based on your income.

Therefore, find out how much you will pay for Medicare Part B.

“The end of year enrollment period applies to Medicare supplement, or Medigap, plans.” 

From time to time this error is common as we approach October 15, which is the start of the annual election period.

Many people mistakenly believe this “end-of-the-year” period applies to Medicare supplement plans.

However, that is not the case.

The end-of-the-year period only applies to Medicare Advantage and Part D plans.

Ultimately, you can change Medicare supplement plans at any time, but you’d have to qualify medically (in most states) when applying.


“Medicare Advantage plans are a type of Medicare supplement.” 

Medicare Advantage plans are completely separate and different from Medicare supplement plans.

First of all, Advantage plans take the place of Medicare parts A & B, while Medicare supplement plans “supplement” Medicare parts A & B.

If you opt in to a private Medicare Advantage plan, you can go back to having Original Medicare during the annual election period.

As a result, you’ll be exposed to what Medicare doesn’t cover.

In that case, if you decide to get a Medicare supplement, you generally would have to qualify medically.


“Medicare does not cover any preventive care.”

This one was truer in the past until now.

Of course, Medicare provides coverage for a good bit of preventive care (much of this is relatively new).

In fact, Medicare covers a “welcome to Medicare” physical when you turn 65 and also an annual wellness check-up!


“I need to find out if my doctor takes this Medigap plan; or  “I am going to ask my doctor which Medigap plans pay him faster/more.”

Most people have worried for many years if their insurance was paying their claims in full or quickly enough. As a result, it’s easy to understand this mistake.

It’s important to realize that these worries do not carry over to Medicare, especially when talking about Medicare and a Medicare supplement plan.

To clarify, for Medicare supplement plans, claims are paid through the Medicare “crossover” system.

As a result, they are paid in the same amount on the same time schedule, regardless of which company you have for your Medicare supplement carrier.

Additionally, Medicare supplement plans do not have networks – if a doctor takes Medicare, they are required by Federal law to take the standardized Medicare supplement plans.



We gave you the top 5 and most noteworthy misconceptions about Medicare and Medicare supplements.

As a result, you may still have questions. It’s crucial to your health and financial well being to have all your questions answered. 

If you have any questions or concerns and need more information about Medicare supplements, you can contact us online or call us at 1-855-344-8733.

*Please note, we do not make any specific carrier or coverage recommendations for individuals on our blog. This area is for general questions about Medicare only. If you need help with your personal policy, click the Contact Us button below for more personal guidance. We are happy to help you!

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