Medicare is a great starting point for those over 65 and individuals on Social Security due to disability but it can leave the insured with many out of pocket costs. An inpatient hospital stay has a deductable of almost $1,200 dollars. Most retired people seldom have enough disposible assets to cover many hospital stays. Both Medicare Supplement plans and Medicare Advantage plans can helpreduce your costs. Prescription drug coverage is not included in original Medicare and must be obtained threough a private company. The program is overseen by the federal Medicare program and the plans are referred to as Medicare Part D.
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