No. This is one of the most widespread myths. Medicare Part A (hospital insurance) is premium-free for most people who paid Medicare taxes for at least 10 years (40 quarters), but you still face a deductible and possible copays/coinsurance for hospital stays. Part B (medical insurance) always has a monthly premium (standard amount plus possible income-related surcharges), a yearly deductible, and 20% coinsurance for most services.

Not necessarily. Automatic enrollment only happens if you are already receiving Social Security retirement benefits when you turn 65. Everyone must actively enroll during their 7-month Initial Enrollment Period (3 months before the month they turn 65, the birthday month, and 3 months after). If you miss it and don't have qualifying employer coverage, you may face lifelong late-enrollment penalties on Part B and Part D.

No. Medicare has specific enrollment windows: the Initial Enrollment Period at age 65 (or after 24 months of disability benefits), the Annual Enrollment Period (Oct. 15-Dec. 7) for changing plans, and limited Special Enrollment Periods for qualifying events (e.g. losing employer coverage). Enrolling late outside these windows usually triggers permanent penalties added to your premiums.