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Avoid becoming a victim of what you think you know about Medicare.

Nearly everyone over the age of 65 depends on it, but myths and misconceptions around Medicare persist. The government-funded health insurance program for seniors will provide more cumulative lifetime benefits to average earners than Social Security by 2055, according to a study by the Urban Institute, but its complexities inspire a host of misconceptions.

Whether you will be new to Medicare or have gone through the process many times before, here’s how to navigate around unnecessary penalties, bad timing and costly stays you only thought were covered.

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Blog posts provided by Certified Senior Advisors