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1. Why would you pay 100 dollars to Medicare Part B and pay money to a private insurer through work as well? This woman does not spend any kind of time at a hospital.

Because even if you have Medicare A, B & D, it doesn't cover 100% - that's why there are "gap" policies and why retirees who are eligble to stay on a former employer's health insurance by paying out-of-pocket for the premium often do. My mom was a Fed Govt worker, so she's been able to stay on their insurance even though she's now also on Medicare.

I don't know the answers to points 2 & 3
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