Can someone help me understand my Medicare benefits?

Yes.  Every California county has a Health Insurance Counseling & Advocacy Program (HICAP).  HICAPs provide free and objective information and counseling about your Medicare enrollment and benefits.  Volunteer counselors can help you understand your rights and health care options.  You can find your closest HICAP on this site

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Disclaimer: None of the information or links provided at this site are legal advice.