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 The retirement health care program is essential to the well-being of millions — but it’s not perfect. DC Studio / Shutterstock.com

For millions of people, Medicare is one of the pillars of retirement. The program provides health insurance for most Americans from the age of 65 through the rest of their lives. However, Medicare is not perfect. Some beneficiaries are surprised to learn of the program’s shortcomings. Following are some of the disappointing realities of Medicare.

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