Assuming those costs – deductibles and co-pays for Dr. and hospital – still take too much of available income, you have to buy a supplemental insurance is around $87/month
So, if you have a spotty work history or had low pay most of your working years, you might be in my category of SS=$691/month
Minus: $96.40 for Medicare part B
$19.00 for Part D Drug Rx plan
$87.00 for supplemental medical plan – (this may seem like a lot extra but just one hospital stay, emergency procedure or expensive medication will make it well worthwhile. You are just playing the odds.)
Now for some examples of why Docs don’t find Medicare worthwhile for their own future retirements.
Medicare gives you one physical examination and some tests for free – sort of, once again, as you still have your co-pay if you don’t have the supplemental insurance.
Clinic Visit $129 $103.20 $25.80
Colonoscopy $1850 $233.01 $1616.99
Pathology for above $330 $56.54 $218.99
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