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Dear Rusty: I’m nearing 68 years old, have never signed up for Medicare but thinking that I should look into it. I’m currently covered by my wife’s health insurance through her employer. I would greatly appreciate some simple guidance regarding Medicare. I’ve tried watching some videos about the subject, but it was always so boring that I never finished watching. I get lost in all the Part This & Part That. I would just like some solid insight into the coverage that I truly need & the cost. Signed: Confused Dear Confused: Medicare is, indeed, a confusing topic, but I’ll try to clear it all up for you. Think of it this way – Medicare has two main parts – one which provides coverage for in-patient hospitalization services (that’s called Part A) and another which covers outpatient services like doctors, medical tests, etc. (that’s called Part B). Part A is usually free (if you’re getting or will get Social Security), but there is a monthly premium for Part B. For 2023, the monthly Part B premium will be $164.90, and that’s either deducted from your Social Security payment, or paid directly to Medicare if you’re not yet collecting Social Security.
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