Medicare worries trouble seniors.

• Position: Your Life

United Medicare Advisors, Kansas City, Mo., explains a few of the issues that cause confusion and concern among seniors:

Medicare soon will be bankrupt. Medicare's hospital insurance (Part A) is capable of paying 100% of its costs until 2028, at which point hospital insurance still will not be burned out, as taxes will pay 87% of costs.

Everyone pays the same amount for Medicare. There is no single payment that all beneficiaries adhere to. The amount you pay, particularly for the premiums, is determined by earning history. There are surcharges to beneficiaries with high incomes. The standard premium for Part B in 2016 was $121.80 per month, those who earned $85,000 as single filers or $170,000 as joint filers incurred additional monthly charges.

Medicare is going to be shut down because of the Patient Protection and Affordable Care Act. Medicare is not ending any time soon because of ObamaCare. PPACA was not intended to replace Medicare and it is not supposed to take away any of the guaranteed benefits.

Individuals can enroll in Medicare during the open enrollment period only. The AEP (annual election period) only affects those already...