Medicare is a federal health insurance program for those 65+ or with certain disabilities, consisting of Parts A (hospital care), B (doctor visits), C (Medicare Advantage), and D (prescription drugs). Original Medicare includes Parts A and B, with separate Part D and Medigap options. Medicare Advantage combines A, B, and usually D with extra benefits. Costs vary by part, with penalties for late enrollment. Medicare doesn't cover most dental, vision, hearing aids, or long-term care.
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