There is a dangerous myth that once you turn 65, your healthcare becomes free. You get the red, white, and blue card, and you assume the bills stop. The reality is that Medicare is a safety net with holes in it.
It was never designed to cover everything, and the gaps are where your retirement savings can drain away. If you aren’t prepared for the specific costs that Medicare explicitly excludes, you are going to be blindsided by invoices that no insurance company is coming to pay.
