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

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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.

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