When it comes to health insurance, misinformation spreads faster than facts. Many people make decisions based on assumptions, half truths, or advice from friends instead of talking with a licensed professional. These myths can lead to gaps in coverage, surprise medical bills, and missed savings opportunities.
At American Trustee LLC, Steve Hamlin helps individuals, seniors, families, and small business owners understand their health insurance options clearly. His goal is to separate fact from fiction so clients can make confident, informed choices about their coverage.
Myth #1: “I’m Healthy — I Don’t Need Health Insurance.”
This is one of the most common and costly misconceptions. The truth is that health insurance is not just for people who are sick. It is there for accidents, unexpected diagnoses, and preventive care.
You cannot predict a fall, a sudden illness, or an emergency room visit. Getting covered while you are healthy protects you from huge medical bills later and gives you access to regular checkups that help you stay that way.
Myth #2: “Medicare Covers Everything Once I Turn 65.”
Many seniors believe that once they have Medicare, every medical cost is taken care of. That is rarely true. Original Medicare has deductibles, coinsurance, and gaps in areas like prescriptions, dental, vision, and hearing.
That is why many people choose Medicare Advantage or Medicare Supplement plans, along with Part D prescription coverage, to limit out of pocket expenses. Steve helps seniors compare these options so they are not surprised by uncovered costs.
Myth #3: “I Can Just Keep My Employer Plan Forever.”
Some people think they can stay on an employer health plan without ever reviewing their options, even as they get older or retire. In reality, leaving a job, switching employers, or moving into retirement can change your eligibility and deadlines.
If you are approaching 65, working past 65, or transitioning off group coverage, it is important to understand how and when to enroll in Medicare or an individual plan. Missing key dates can mean penalties or temporary gaps in coverage.
Myth #4: “If I Have Medicare, I Don’t Need Any Other Health Coverage.”
While Medicare is a strong foundation, it does not limit your total out of pocket costs the way many people expect. A serious hospital stay, cancer treatment, or ongoing therapy can still create significant bills.
Supplemental coverage, such as a Medigap policy or a Medicare Advantage plan with a maximum out of pocket limit, can help protect your savings. Steve walks clients through the pros and cons of each approach so they can choose the level of protection that feels right.
Myth #5: “Health Insurance Is Always Too Expensive.”
Many people avoid looking at options because they assume health insurance will be unaffordable. However, most individuals and families may qualify for subsidies or tax credits through the Health Insurance Marketplace, which can significantly reduce monthly premiums.
In some cases, people are surprised to learn they can get comprehensive coverage for much less than they expected. Steve reviews income, household size, and plan options to help clients find realistic, budget friendly choices.
Myth #6: “All Health Plans Cover Doctors and Prescriptions the Same Way.”
Not true. Each plan has its own network of doctors and hospitals and its own drug list for prescriptions. Seeing an out of network provider or using a medication that is not preferred can make your costs much higher.
Before enrolling, Steve helps clients check that their primary care doctor, specialists, and regular prescriptions are covered the way they expect. This step alone can save a lot of frustration and money.
Myth #7: “I Can Wait Until I Get Sick to Worry About Health Insurance.”
Waiting until there is a medical issue can be a costly mistake. In most cases, you can only enroll or change plans during Open Enrollment or after certain qualifying life events such as losing other coverage, moving, or getting married.
If you wait until a diagnosis or emergency, you may have to carry the full cost until the next enrollment period. Having a plan in place before you need it is the safest and smartest approach.
Myth #8: “Agents Just Work for the Insurance Companies, Not for Me.”
When you work with an independent health insurance agent like Steve Hamlin, you are working with someone who represents you, not just one carrier. Independent agents can compare multiple companies and plan types to help you find coverage that truly fits your needs and budget.
Steve’s role is to explain your options in plain language, help you avoid hidden gaps, and be there when questions come up after enrollment. His focus is on long term relationships, not one time transactions.
Why It’s Important to Know the Truth
Health insurance is not one size fits all. Believing myths can leave you underinsured, overpaying, or completely unprotected at the moment you need help most. Understanding how your coverage works—and reviewing it regularly—ensures that when something happens, you are financially and medically prepared.
Do not let myths guide your health insurance decisions. Whether you are nearing Medicare age, already retired, self employed, or simply trying to protect your family, the right health plan can make all the difference in protecting what matters most.
Talk to Steve Hamlin at American Trustee LLC for clear answers, honest advice, and customized health coverage that truly fits your life.