Medicare For Full Timers

If you are healthy and relatively young, the need for really good medical insurance coverage might seem not worth the cost. I am 76 and actually pretty healthy for my age. Even so the medical costs can be out of sight. In the past year I have had a bunch of doctor visits, including specialists, also lab work and a bunch of testing and other procedures. I was seen by a rheumatologist a couple of times which also included lots of lab work. I had a couple of sessions with a neurology specialist which included some extensive EMG testing. I had a couple sessions of afib following my Covid shot. That means several cardiologist visits including an implant for a monitoring my heart. The monitoring is done by a cardiac specialist on an ongoing basis. I just finished a cardiac cath with a couple of stents. A few weeks ago, I had routine endo/colonscopy testing. I have mild emphysema so next month I am getting a complete pulmonary workup with ultrasound, echo, CT scans and pulmonary function testing.

I have paid absolutely no out of pocket costs for these many tens of thousands of dollars worth of testing and care. In addition I have no restrictions on physicians or providers. I have been able to find the best and replace any doc that does not seem to meet my expectations.

I highly recommend you look and pay for the most flexible and comprehensive coverage you can find. Sooner or later you will need it.