Many workers rely on their employers to provide them with health coverage. So when the time comes to leave the workforce for good, you'll generally need to secure coverage on your own.

That's where Medicare comes in. You can sign up for Medicare independently of Social Security, and you can make changes to your coverage year after year to align with your healthcare needs.

But there's a lot of misinformation out there with regard to Medicare, and it could throw your retirement finances off course if you accidentally buy into it. Here are some of the biggest misconceptions about Medicare floating around.

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Source Fool.com