All of the following statements regarding Medicare are correct EXCEPT Question 2 options: 1) Medicare supplemental insurance (Medigap) policies help pay Medicare's coinsurance amounts and deductibles, as well as other out-of-pocket expenses for health care 2) a worker who begins receiving retirement benefits before turning age 65 must file a separate application for Medicare at age 65 3) a spouse can qualify for Medicare Part A at age 65 based on the other spouse's work record 4) a person should enroll in Medicare Part A even if he continues to working

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