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Confused by Medicare

Dear Len & Rosie, I am well educated but I cannot, for the life of me, figure out the Medicare system. I turned 65 last year and before my birthday I attended a free luncheon where I signed up for a Medicare plan. Since then I have received medical care and am now $6,000 in debt for “out-of-pocket expenses” that my new plan does not cover. This part of the plan was not properly explained to me because this financial liability comes as a total surprise. What do I do now?

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