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How many did you get right?
Count your correct answers out of 15.
12–15You know Medicare better than most people who are already on it.
7–11A solid start. The ones you missed are the ones that tend to cost money.
0–6Completely normal. Almost nobody is taught this before 65.
All 15 answers
- Medicare is not free. Part B has a monthly premium.
- Original Medicare has no yearly out-of-pocket cap.
- Enrollment is automatic only for people already on Social Security.
- Routine dental care is not covered.
- The Part B late penalty lasts as long as you have Part B.
- Medicare covers individuals. There is no family plan.
- Medicare Advantage plans usually have networks.
- The guaranteed window for a supplement policy is six months in most states.
- Part D now has a yearly out-of-pocket cap.
- “Observation” nights do not count toward nursing facility coverage.
- Higher incomes pay more, based on a return from two years ago.
- Plan changes are limited to set periods.
- The wellness visit is not a physical.
- No new HSA contributions after enrolling.
- Some doctors can bill up to 15 percent more.
Keep going
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Sources: Medicare.gov, guidance on costs, enrollment periods, late penalties, Medicare Advantage, Medigap, Part D, skilled nursing facility coverage, preventive visits and assignment; Social Security Administration, income-related premium adjustments; Internal Revenue Service, Publication 969. This quiz is general information, not financial or legal advice. For help with your own situation, free counseling is available from your State Health Insurance Assistance Program.