Medicare, Medicaid, Life and Health Insurance/medicare


I will be turning 65 next year and had a question about Medicare. I've had individual health insurance for a long time and it's always paid 80% and I paid 20%. With medicare part B paying about 80%, I know that many people get a supplement to pay the rest. I'm relatively healthy now, and unless I had a incur a huge hospital bill, wouldn't it be less expensive, or about the same, to pay 20% instead of paying a lot of money each month for a medicare supplement?  Thanks

When I was 65 I did not know I would have as many joint replacements, cataract surgeries etc. as I did. I would strongly recommend that you consider getting a Medigap plan. I personally like the one I have AARP. If you needed surgery you must account for the surgeon, the labs, the anesthesiologist etc. I would never recommend being without. You can easily lose everything very fast to one medical bill.

Merry (I do not sell insurance)

Medicare, Medicaid, Life and Health Insurance

All Answers

Answers by Expert:

Ask Experts


Merry Schiff


I am very familar with Medicare and general insurance questions. I can answer general questions about HMO's.


I have been in the medical billing industry for 50 years. I have helped develop software for this industry. I am a consultant to billers and the medical profession.

I am the Executive Director of NEBA, a medical billing organization with nearly 1000 members.

I have been teaching medical billing for many years as well as being a published author with Pearson Education. One book on medical billing (nearly 800 pages) and one on HIPAA.

©2016 All rights reserved.