Medicare costs have turned out to be much greater than expected when the program was first enacted. The number of people eligible for Medicare and the benefit amounts have increased through the years. For example, Medicare covers not only medical expenses for eligible retirees but also kidney dialysis and kidney transplants for persons of all ages. a.Why does Medicare have deductibles, coinsurance, and limitations on benefits that create gaps in coverage for insureds? b.Considering the fact that many older people worry about what is not covered by Medicare, do you think the gaps should be eliminated?