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Sarah, Medicare Part A is free you don't have to pay for it. It only covers hospitalization. Part B you have to enroll and pay for roughly $75.00 a month and pays 80%. it covers, physicians, therapy, services outside the hospital. Now they have Part D for drugs but I am hearing its not doing much for most people. You really need a co-insurance with Medicare such as AARP, BC/BS there maybe others that will pick up the 20% which doesn't sound like much but if you have a chronic illness it adds up fast. Hope this helps, hugs, Sandy
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