
                                THE THE MEDICARE HANDBOOK

Including Information for Beneficiaries On

      o  Medicare Benefits
      o  Participating Physicians and Suppliers
      o  Health Insurance to Supplement Medicare
      o  Limits to Medicare Coverage
                              1990
           Medicare Catastrophic Coverage Act Repealed
      
The Medicare Catastrophic Coverage Act of 1988 has been
repealed, and, with it, certain expanded benefits that were
explained in the 1989 Medicare Handbook.*  The extra charges to
pay for catastrophic benefits have also been cancelled.
      As a result of the repeal, your benefits for hospital,
skilled nursing facility and hospice services under Medicare
hospital insurance (Part A) are different from those that were
available in 1989.  In general, your 1990 benefits will be the
same as those that were available to you in 1988.  For example:
      --For hospital services, payment is based on benefit
periods, and you may have to pay more than one hospital
deductible in a year.  You also may have to pay coinsurance for a
lengthy hospital stay.
      --Skilled nursing facility services are available only
after a hospital stay.  There also are other changes in the
skilled nursing facility benefit.
      --The number of covered days available for hospice services
is limited to 210.
      Medicare catastrophic benefits scheduled to be available in
1990 and 1991 (the limit on out-of-pocket expenses under Part B
and the expanded prescription drug benefit under Part B, for
example) have been cancelled.
      This 1990 Medicare Handbook describes Medicare benefits
available and premium, deductible, and coinsurance amounts you
will have to pay this year.
*Except for beneficiaries enrolled in certain prepaid health
plans (see page xxx).           


Many doctors and suppliers have agreed to be part of Medicare's
participating physician and supplier program.  They accept
assignment on all Medicare claims.  If you get your medical
services from one of these participating doctors or suppliers,
you can often save time and money.  See page XX for more
information about the assignment method of payment, and what you
acan do to find a participating doctor or supplier.
This handbook is meant to explain the Medicare program but is not
a legal document.  The official Medicare program provisions are
contained in the relevant laws, regulations and rulings.                          '  MEDICARE READY REFERENCE, 1990

MEDICARE HOSPITAL INSURANCE, PART A, 1990
                                 START-OF-TABLE

[In the following chart, the column headings are: Covered services; You pay;
Deductible; Coinsurance; Inpatient hospital care; First 60 days through 90th day
each; Benefit period.]                               
Limited medically            $592 deductible for     $148 per day for 61st
necessary care.**            first 60 days of each   through 90th day each 
                              $296 per 
                             cost of first three     day for each reserve day
                             pints of blood used     used (Only 60 reserve 
                             per year--unless you    days per lifetime).
                             have paid for or replaced blood under   
                             Medicare medical insurance (Part B).
Inpatient Skilled Nursing Facility Care: (see page XX)
100 days of post-            No deductible.          No coinsurance for
hospital care per                                    first 20 days. $74 each
benefit period.                                      day for 21st through 
                             100th day each benefit
                                                     period.
Home Health Care: (see page XX)
Limited medically            No deductible.          No coinsurance except
necessary skilled                                    for durable medical 
care if you are                                      equipment. You pay 20
confined in your                                     percent of the approved
home.                                                amount for durable medical
                                                     equipment.
Hospice Care: (see page XX)
Up to 210 days of            No deductible.          5 percent of cost of
care if certified by                                 outpatient drugs or 
a physician as terminally                            $5 toward each pre-
ill and you elect hospice                            scription, whichever
benefit.                                             is less.  5 percent of
                                                     allowable daily rate
                                                     for respite care.

Medicare Hospital Insurance Premiums
o  No monthly premium under Medicare Part A for most
beneficiaries, but:
   -- those who buy Medicare Part A pay a $175 per month Part A  
      premium, and
   -- the premium may be higher for those who enroll late.

*Medicare beneficiaries enrolled in prepaid health care
organizations such as  Health Maintenance Organizations (HMOs),
pay Medicare coinsurance and deductible amounts to the
organizations in the form of premiums, copayments, or other
charges.  These organizations may not charge Medicare
beneficiaries, on average, more than they would have paid under
regular fee-for-service Medicare for Medicare-covered services.
**Hospital insurance will help pay for no more than 190 days of
inpatient care in a participating psychiatric hospital in your
lifetime.
                          END-OF-TABLE
MEDICARE MEDICAL INSURANCE, PART B, 1990

Part B Deductible, Coinsurance and Premiums
Deductibles
o  The standard Part B deductible is $75.
     --The deductible applies to most, but not all, Part B
     services. 
     --When you have paid $75 for covered services in 1990, you
     will have met your Part B deductible for the whole year.
o  The Part B blood deductible
     --In addition to the standard Part B deductible, you must
     pay for or replace the first three pints you use each year-
     -unless you paid a blood deductible under Part A.
Coinsurance
o  For most services you receive under Part B, you will
   be required to pay a 20 percent coinsurance amount.
Premiums
o  Most beneficiaries enrolled in Part B pay $28.60 per month,   
but
     --Some beneficiaries pay an additional amount due to late  
     enrollment in Medicare Part B.


                      Payment by Assignment
o  For certain Part B services the physician/provider/supplier   
 must take assignment.  In other cases the
physician/provider/supplier may choose to take assignment on some
or all of your charges.  (See page XX for an explanation of
assignment.)
     --On an assigned claim, the physician/provider/supplier  
     agrees to accept the Medicare-approved amount as full  
     payment, and you are responsible only for any unmet    
     deductible and coinsurance amounts.
     --On an unassigned claim, you must pay any unmet deductible
     and coinsurance amounts, plus charges above the Medicare-
     approved amount in most cases. 
Part B Services for 1990*

All Part B services are subject to the $75 deductible and 20
percent coinsurance unless noted in the handbook.

o  Professionals and organizations providing the following
services submit their claims directly to Medicare for payment. 
You are responsible only for any required deductible and
coinsurance amounts.
     Ambulatory surgical center services
     Certified registered nurse anesthetist services
     Clinical diagnostic laboratory tests (no deductible or
          coinsurance)
     Comprehensive outpatient rehabilitation facility services 
     Home health services (no deductible or coinsurance)
     Nurse midwife services
     Outpatient hospital services
         Incident to services of physician
         Diagnostic tests
         Partial hospitalization psychiatric programs
     Outpatient physical therapy, occupational therapy, and
          speech pathology furnished by provider organizations
     Physician assistants and services incident to their services
     Psychologists services and services incident to their
          services
     Rural health clinic services
o  Most professionals and organizations that furnish the
following items or services have the option, but are not
required, to take assignment.  (For services you get before
September 1, 1990, you may have to submit the bill to Medicare
yourself.  For services you get on or after September 1, 1990,
the professional or organization must submit the bill to Medicare
for you, whether under assignment or not.)
     Ambulance services
     Antigens and blood clotting factors
     Artificial limbs and eyes
     Diagnostic X-ray tests and other diagnostic tests
     Drugs used in immunosuppressive therapy
     Durable medical equipment
     Hepatitis B vaccine
     Limb, back, or neck braces
     Physical and occupational therapists' services when in
          independent practice
     Physician services and services incident to physician  
services
     Pneumococcal vaccine (no deductible or coinsurance)
     Prosthetic devices
     Radiation therapy
     Surgical dressings, splints, casts
*Medicare medical insurance covers services and supplies for
treatment of kidney disease.  Those services are described in
Medicare Coverage of Kidney Dialysis and Kidney Transplant
Services: A Supplement to Your Medicare Handbook.  You can get
this booklet from Social Security or the Consumer Information
Center (see inside back cover).
                                  
                       ABOUT THIS HANDBOOK
     Your Medicare handbook is designed to help you determine if
Medicare pays for the services you need and how payments are
made.  It is intended to be a handy reference to help you
understand how the Medicare program works and to know what your
benefits are.  There is an alphabetical index at the back to
assist you in finding information on specific subjects.  While
Medicare pays for many of your health care expenses, it does not
cover all of them.  Therefore, it is important for you to know in
advance what Medicare does and does not pay for.
Handbook Highlights
     o    Page XX tells you how to submit your Medicare medical
          insurance claims.
     o    Beginning on page XX, there is an address list showing
          you where to send your medical insurance claims.
     o    Page XX tells you what to do if you disagree with a
          Medicare decision or the amount of payment on a claim.
     o    Page XX tells you what to do if you have other
          insurance that pays before Medicare.
     If you have questions about whether you can get Medicare or
about Medicare enrollment, cards, or premium amounts, contact
Social Security.  If you have questions about the status of your
Medicare Part B claims and what Medicare medical insurance
covers, call your Medicare carrier.  Carrier telephone numbers
are listed on pages XX to XX of this handbook.
     People who can get Medicare because of kidney disease may
contact Social Security to get a copy of Medicare Coverage of
Kidney Dialysis and Kidney Transplant Services.  This booklet is
also available at the Consumer Information Center (see inside
back cover).
               GENERAL INFORMATION ABOUT MEDICARE
This section tells you about:
     *  What is Medicare? 
     *  Beneficiary Complaints 
     *  Prepaid Health Care Organizations 
     *  Your Medicare Card 
     *  Buying Health Insurance to Supplement Medicare 
     *  Fraud and Abuse Hot Line 
     *  Financial Assistance for Low-Income Beneficiaries 
WHAT IS MEDICARE?
     The Medicare program is a Federal health insurance program
for people 65 or older and certain disabled people.  It is run by
the Health Care Financing Administration of the U.S. Department
of Health and Human Services.  Social Security Administration
offices across the country take applications for Medicare and
provide general information about the program.
The Two Parts of Medicare
     There are two parts to the Medicare program.  Hospital
Insurance (Part A) helps pay for inpatient hospital care, some
inpatient care in a skilled nursing facility, home health care
and hospice care.  Medical Insurance (Part B) helps pay for
doctors' services, outpatient hospital services, durable medical
equipment, and a number of other medical services and supplies
that are not covered by the hospital insurance part of Medicare.
     Part B of Medicare has premiums, deductibles, and
coinsurance amounts that you must pay yourself or through
coverage by another insurance plan.  Part A has deductibles and
coinsurance, but most people do not have to pay premiums for Part
A (see page xx).  The amounts you pay are set each year according
to formulas established by law.  New payment amounts begin each
January 1.  When amounts increase, you will be notified.  For
1990 deductible, premium and coinsurance amounts, see the
Medicare Ready Reference at the front of this handbook.

Who Can Get Medicare Benefits?
     Generally, people age 65 and over can get premium-free
Medicare hospital insurance (Part A) benefits, based on their own
or their spouses' employment.  You can get Medicare Part A if you
are 65 or over and:
     o    receive benefits under the Social Security or Railroad
          Retirement system, 
     o    could receive benefits under Social Security or the
     Railroad Retirement system but did not file for them, or
     o    you or your spouse had certain government employment.
     If you are under 65 you can get premium-free Medicare
hospital insurance (Part A) benefits if you:
     o    have been a Social Security or Railroad Retirement
          Board disability beneficiary for more than 24
          months.
     Certain government employees and certain members of their
families can also get Medicare when they are disabled for more
than 29 months.  They should apply with the Social Security
Administration as soon as they become disabled.
     Or, you may be able to get premium-free Medicare hospital
insurance (Part A) benefits if you receive continuing dialysis
for permanent kidney failure or had a kidney transplant.
     No one needs to have worked more than 10 years to be able to
get premium-free Medicare hospital insurance benefits.  Check
with Social Security to see if you have worked long enough under
Social Security, Railroad Retirement, as a government employee,
or a combination of these systems to be able to get Medicare
hospital insurance benefits.  
Who Can Get Medicare medical insurance (Part B)?
     Any person who can get premium-free Medicare hospital
insurance benefits based on work as described above can enroll
for Part B, pay the monthly Part B premiums, and get Part B
benefits. 
Buying Medicare hospital insurance and medical insurance
     If you do not have enough work credits to be able to get
Medicare hospital insurance benefits and you are 65 or over, you
may be able to buy Medicare hospital and medical insurance--or
just Medicare medical insurance--by paying monthly premiums.*   
-----
*Also, on and after July 1, 1990, you may be able to buy Medicare
hospital insurance and medical insurance if you are disabled and
lost your premium-free hospital insurance solely because you are
working.
-----
Check with Social Security or Railroad Retirement to find out
about buying into Medicare.

Enrollment in Medicare
     If you are getting Social Security or Railroad Retirement
benefit payments when you turn 65, you will get a Medicare card
in the mail.  The card will show that you can get both Medicare
hospital insurance (Part A) and medical insurance (Part B)
benefits.  If you do not want Part B, follow the instructions
that come with the card.
     The above process also applies when you have been a Social
Security or Railroad Retirement disability beneficiary for 24
months.  A Medicare card will come in the mail.
     Some people must file an application to get Medicare
benefits. If you have not applied for Social Security or Railroad
Retirement benefits, if government employment is involved, or if
you have kidney disease, you must file an application for
Medicare.  Check with Social Security if you are able to get
Medicare under the Social Security system or based on certain
government employment; or with Railroad Retirement if you are
able to get Medicare under the Railroad Retirement system.
     If you must file an application for Medicare, you should do
so during your initial enrollment period, to avoid late
enrollment penalties under Medicare medical insurance.  Your
initial enrollment period is the seven-month period beginning
three months prior to the month you are first able to get
Medicare.  If you do not enroll for Medicare during the first
three months of your initial enrollment period, there will be a
delay in starting your medical insurance coverage.  Your coverage
will be delayed from one to three months after enrollment.  
     If you do not enroll for Medicare medical insurance at any
time during your initial enrollment period there will be a delay
of from four to 16 months in starting your coverage and you may
be charged a premium penalty for late enrollment (unless you
qualify for a special enrollment period as described on page xx). 

Intermediaries and Carriers
     The Federal government contracts with private insurance
organizations called intermediaries and carriers to process
claims and make Medicare payments.  Intermediaries handle claims
submitted on your behalf by hospitals, skilled nursing
facilities, home health agencies, hospices and other providers of
services.  Carriers handle claims for services by doctors and
other suppliers covered under Medicare's medical insurance
program.

Peer Review Organizations
     Peer Review Organizations (PROs) are groups of practicing
doctors and other health care professionals who are paid by the
Federal government to review the care given to Medicare patients. 
Each State has a PRO that decides, for Medicare payment purposes,
whether care is reasonable and necessary, is provided in the
appropriate setting, and meets the standards of quality accepted
by the medical profession.  PROs have the authority to deny
payments if care is not medically necessary or not delivered in
the most appropriate setting.
     Medicare law requires doctors who do not take assignment for
elective surgery to give you a written estimate of your costs
before the surgery if the total charge is $500 or more.  If the
doctor does not give you a written estimate, you are entitled to
a refund of any amount you paid him or her over the Medicare
approved amount.
     PROs respond to requests for review of notices of
noncoverage issued by hospitals to beneficiaries; and PROs
respond to beneficiary, physician, and hospital requests for
reconsideration of PRO decisions.  PROs also investigate
individual patient complaints about the quality of care.  (For
more information about how PROs handle beneficiary complaints,
see below).  
     If you are admitted to a Medicare participating hospital,
you will receive An Important Message From Medicare which
explains your right as a hospital patient and provides the name,
address, and phone number of the PRO for your State.   A copy of
the message is printed on page XX.
     If you feel that you are improperly refused admission to a
hospital or that you are forced to leave the hospital too soon,
ask for a written explanation of the decision.  Such a written
notice must fully explain how you can appeal the decision and it
must give you the name, address, and phone number of the PRO
where your appeal or request for review can be submitted.  (See
page xx for a more complete discussion of your appeal rights
under Medicare.)
BENEFICIARY COMPLAINTS
     PROs are responsible for reviewing beneficiary complaints
about the quality of care provided by inpatient hospitals,
hospital outpatient departments and hospital emergency rooms;
skilled nursing facilities; home health agencies; ambulatory
surgical centers; and certain health maintenance organizations.
     If you believe that you have received poor quality care
provided by one of these types of facilities, you may complain to
the PRO.  The PRO will investigate written complaints from
beneficiaries, or their representatives, about the quality of
Medicare services received.
     The complaint must be written and the PRO will help you put
your complaint in writing if you wish.  If someone else makes a
complaint for you or on your behalf, you must give written
permission for that person to represent you in the complaint.
     You will find a list of Medicare PROs on page XX.
PREPAID HEALTH CARE ORGANIZATIONS
     Some prepaid health care organizations such as health
maintenance organizations (HMOs) and competitive medical plans
(CMPs) contract with Medicare to provide services to Medicare
beneficiaries.  These prepaid health care organizations receive
direct payments from Medicare for their services.  
     You may enroll in a prepaid health care organization's plan
rather than receive your benefits under Medicare's traditional
fee-for-service system.  Most HMOs and CMPs provide all Medicare
hospital and medical insurance benefits to their Medicare
enrollees.     
     HMOs and CMPs generally cover most of your health care
costs, charging you fixed monthly premiums and minimal
coinsurance payments.  HMOs and CMPs also reduce the amount of
paperwork you have because you generally do not have to file any
claims.  Many organizations offer additional services beyond what
Medicare covers at little or no additional cost: such things as
preventive care, dental care, hearing aids and eyeglasses. 
During 1990 most HMOs and CMPs that enroll Medicare beneficiaries
are required by law to provide certain benefits not available
under fee-for-service Medicare at no additional charge to you. 
These include extended hospital and skilled nursing facility
stays, expanded home health benefits, respite care, and coverage
for certain drugs.  
     If you are thinking about choosing a prepaid health care
organization plan under contract to Medicare, here are some
requirements and restrictions to consider: 
     o    You must be enrolled in Medicare's medical
          insurance (Part B) and continue to pay the
          premiums.
     o    You must live within the area serviced by the HMO
          or CMP.
     o    You will usually be required to receive all care
          from the HMO or CMP, except in emergency or urgent
          situations.
     o    If you have elected hospice care, you cannot
          enroll in an HMO or CMP as long as the hospice
          election remains in effect.  But, 
          --after you become a member of an HMO or CMP, you
          may elect hospice benefits and continue in the
          organization's plan.  In this case, you must
          receive all care related to your terminal illness
          from the hospice instead of the HMO or CMP.
     o    You cannot enroll in an HMO or CMP if you have
          chronic kidney disease.  But,
          --if you are a member of an HMO or CMP when you
          develop chronic kidney disease, the care you need
          will be provided through the organization.
     You can enroll in a Medicare HMO or CMP and later decide you
prefer the traditional fee-for-service Medicare.  If this
happens, you can drop the HMO or CMP plan in any month and
transfer to fee-for-service Medicare at the beginning of the
following month.  Your HMO or CMP or Social Security can help you
transfer.
     If you already belong to a Medicare HMO or CMP and you are
unhappy with the quality of care, you can:
     o    follow your HMO or CMP's grievance procedure, or
     o    complain to your Peer Review Organization (PRO) or
          Quality Review Organization (QRO). PROs and QROs
          are groups of practicing doctors and other health
          care professionals under contract to Medicare to
          review the care provided to Medicare patients.
          (See page XX).
     You can contact your HMO or CMP to get the name, address and
phone number of your PRO or QRO.  PROs and QROs are also listed
on page xx.
     If you believe that your HMO or CMP has made an incorrect
decision on coverage of benefits or payment of a claim, you can
exercise your appeal rights--rights that are similar to those
that are guaranteed under traditional fee-for-service Medicare
(see page XX).
     If you want to get information about how to enroll in an HMO
or CMP, what benefits are provided, and what the membership rules
are, you should contact the HMO or CMP plan directly.  HMOs and
CMPs generally advertise when enrollment is open to Medicare
beneficiaries.
YOUR MEDICARE CARD
     The Medicare card shows the Medicare coverage you have
(hospital insurance (Part A), medical insurance (Part B), or
both) and the date your protection started.  If you don't have
both parts of Medicare, see page XX for information on how you
may obtain the part you don't have.
     Your card also shows your health insurance claim number. 
Sometimes this claim number is referred to as your Medicare
number.   The claim number has nine digits and a letter.  On some
cards, their may also be another number after the letter. Your
full claim number must always be included on all Medicare claims
and correspondence.  When a husband and wife both have Medicare,
each receives a separate card and claim number.  Each spouse must
use the exact name and claim number shown on his or her card.
     It is important that you remember to:
     (1)  Always show your Medicare card when you receive
          services that Medicare helps pay for.
     (2)  Always write your health insurance claim number
          (including the letter) on any bills you send in and on
          any correspondence about Medicare.  Also, you should
          have your Medicare card available when you make a
          telephone inquiry. 
     (3)  Carry your card with you whenever you are away from
          home.  
     (4)  Immediately ask Social Security to get you a new card
          if you lose yours.
     (5)  Use your Medicare card only after the effective date
          shown on it.
     (6)  Never let someone else use your Medicare card.
BUYING HEALTH INSURANCE TO SUPPLEMENT MEDICARE
     Medicare provides basic protection against the high cost of
health care, but it will not pay all of your medical expenses,
nor most long term care expenses.  For this reason, many private
insurance companies sell insurance to supplement Medicare
(Medigap insurance).  The Federal Government does not sell or
service such insurance.
     If you are thinking about buying a new private insurance
policy or replacing an old policy to supplement your Medicare
protection, you should shop carefully.  You can get a     
pamphlet, Guide to Health Insurance for People with Medicare to
help you make Medicare supplement decisions. The guide explains
how supplemental insurance works and how to shop for it.  The
guide also lists the names, addresses and telephone numbers of
your State Insurance Department and your State Agency on Aging. 
These offices can provide you valuable help making your decision
about whether to buy insurance to supplement Medicare.  You may
order a  copy of the guide from the Consumer Information Center
(see inside back cover). 
     Some beneficiaries cancelled their Medicare supplement
policies in 1989, anticipating new Medicare benefits under the
Medicare Catastrophic Coverage Act.  Since this law was repealed
and catastrophic health coverage ended on December 31, 1989, some
beneficiaries may wish to repurchase their Medicare supplement
insurance.  The law repealing the Medicare Catastrophic Coverage
Act allows for repurchase. 
     In general, if you had a Medicare supplement policy in
effect on December 31, 1988, and cancelled that policy in 1989
without replacing it with another policy, you should have been
offered the opportunity to renew the policy.  Your insurance
company should have offered you the opportunity to renew your old
policy no later than January 30, 1990.  You would have had 60
days to renew your old policy from the date your insurance
company's offer was made.  Coverage would have been effective
back to January 1, 1990. 
     There are Federal criminal and civil penalties (fines) for
certain actions in selling health insurance to supplement
Medicare.  These penalties may be imposed against any insurance
company or agent who knowingly sells you a policy that promises
to duplicate Medicare coverage or any private health insurance
that you already own but which, in reality, will not pay
duplicate benefits.  Penalties also apply if insurance agents
misrepresent to you that they are employees or agents of the
Medicare program or of any Government agency.  There is also a
penalty for making a false statement about a policy's meeting
legal standards for certification when it does not, and for using
the mails in a State for delivering advertisements of health
insurance policies to supplement Medicare if the policies have
not been approved for sale in that State.
     If you suspect that you have been the victim of these or any
other illegal sales practices, you should contact your State
Insurance Department.  The telephone numbers to call are listed
in the back of the pamphlet, Guide to Health Insurance for People
with Medicare. (See above for how to get a copy of the guide.) 
Also, through April 30, 1990, you may call this Federal Medicare
toll-free number: 1-800-888-1998.  Beginning May 1, 1990, you may
call this toll-free number:  1-800-638-6833 (In Maryland, 1-800-
492-6603).
FRAUD AND ABUSE HOT LINE
     If you have reason to believe that a doctor, hospital, or
other provider of health care services is performing unnecessary
or inappropriate services or is billing Medicare for services you
did not receive, you may call a toll-free Hot Line.  The Hot Line
has been installed by the Department of Health and Human
Services' Inspector General to receive any evidence of such fraud
or abuse of the Medicare program.
     The toll-free number is 1-800-368-5779.  In Maryland, call
1-800-638-3986.  Please do not call the Inspector General's Hot
Line for Medicare policy questions or questions about delayed
claims or payments.
FINANCIAL ASSISTANCE FOR LOW-INCOME BENEFICIARIES
     If you meet certain income and resource tests, your State
may consider you a qualified Medicare beneficiary.  If you are a
qualified Medicare beneficiary, your State's medical assistance
(Medicaid) program will pay your share of health care costs under
Medicare.  To qualify:
     o    your annual income level must be at or below the
          national poverty level* and
     o    you can not have access to many financial resources
          such as bank accounts or stocks and bonds.
     State governments assist qualified Medicare beneficiaries by
paying the monthly Medicare premiums.  And qualified Medicare
beneficiaries do not have to pay Medicare deductibles and
copayments.  
     Each State sets its own guidelines for who qualifies for
this assistance.  The maximum annual income level for
qualification varies by State.  If you think you may qualify, you
should contact your State or local welfare, social service or
public health agency.
-------
*Poverty levels were set in 1989 at $5980 for one person or $8020
for a family of two.  Levels for 1990, not available at press
time, will be slightly higher.
------
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