 Now, they've sort of cracked down on some of those gray area tactics, but it does sound too good to be true. Nothing's free in this world, and the fact is it's not free. You pay for Medicare Part A while you're working. Most people I'm helping have been working 35, 40, 50 years. They've been paying for Part A that whole time. The government's holding that money for you. Then you get Part B. You pay for Part B.