What Most People Get Wrong About Medicare — And How Midlands Residents Can Get It Right

 

🧠 What Most People Get Wrong About Medicare — And How Midlands Residents Can Get It Right

Medicare isn’t just a government program — it’s a maze. And every year, thousands of Midlands residents make costly mistakes simply because they didn’t know where to look. At Mauldin Insurance Group, we believe education is power. So we’re breaking down the most common myths, backed by expert sources and local experience.

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❌ Myth #1: “Medicare Is Free”

While Part A is usually premium-free, Part B comes with a monthly cost — currently $174.70 in 2024, according to Medicare.gov. And that’s just the beginning. Many people also need Part D for prescriptions or Medigap to cover out-of-pocket costs.

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❌ Myth #2: “I’ll Just Pick a Plan Later”

Delaying enrollment can lead to lifetime penalties. The Centers for Medicare & Medicaid Services (CMS) warns that missing your Initial Enrollment Period could cost you — permanently.

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❌ Myth #3: “All Medicare Advantage Plans Are the Same”

Not even close. Plans vary by ZIP code, provider network, and benefits. That’s why we use tools like the Medicare Plan Finder and local provider directories to match Midlands residents with the right fit.

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✅ What You Should Do Instead

• Start early: 3–6 months before turning 65
• Compare plans locally: What works in Forest Acres may not work in Irmo
• Talk to a licensed agent: Like Mauldin Insurance Group — we’re rooted in the Midlands and compliance-first

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📚 Trusted Resources We Use

• Medicare.gov — Official government site for plan comparisons and enrollment
• CMS.gov — Policy updates, cost breakdowns, and compliance rules
• KFF.org — Nonprofit research on Medicare trends and coverage gaps
• South Carolina Department on Aging — Local resources for seniors and caregivers

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💬 Midlands Voices

“Ben helped me avoid a late enrollment penalty I didn’t even know existed. That saved me hundreds.”
— Linda M., Lexington

“I thought I had the right plan — until Mauldin Insurance Group showed me one that covered my prescriptions better.”
— James T., Columbia

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🎯 Ready to Get Medicare Right?

Don’t let myths or mailers steer your future. Mauldin Insurance Group is here to guide you with clarity, care, and Midlands heart.

📞 (843) 509-2462
🌐 mauldininsurancegroup.com
📍 Serving Lexington, Columbia, Irmo, Forest Acres, West Columbia, and the Midlands