Medicare Facts Most People Miss | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.

Medicare is not free; Part B and D have monthly premiums, plus copays, coinsurance, and deductibles.
Medicare Advantage plans offer expanded benefits and capped out-of-pocket costs, but may limit provider networks.
Medicare now covers some telehealth services, allowing virtual medical visits for enrollees.
You can enroll in Medicare at **65** even if still working, but can't contribute to an HSA after enrolling.
Late enrollment can trigger a **10%** lifelong Part B premium penalty for each 12-month delay.