Brooklyn - I was significantly off with regard to traditional medicare costs for people without media-gap insurance. (I have that and things have changed a lot over the years.)Here are the current costs - keep in mind when reading these costs #1 Medi-Gap policies generally pay most/all of these with the exception of the limitations of 30 days and 90 days in the hospital. #2 Advantage plans also pay these costs as far as I know. http://www.medicareadvocacy.org/2011/10/27/2012-medicare-pre...Neither Advantage or Medicare pays hospital or nursing home (as far as I know) costs. If you have no nursing home insurance, your care is paid by Medicaid. That is a state administer program and rule details depend on where you live. But generally speaking you must spend all your money, sell all your assets and sign over all your Social Security payments before Medicaid pays a dime. (Again a few exceptions like you can keep $25 a month for personal items -- say clothes and tissues.) Medicaid is not something anybody wants, but all recipients are thankful for.GordonAtlanta
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