I'm 65 on Medicare and just renewed 1/1/16. Basic Medicare premium is deducted from monthly SS check. With deductibles you could quickly go broke on just Medicare. You can get Advantage plans at little to no cost, but ones I've seen had high deductibles. Many of the Advantage plans include Dental.I have Medicare Supplemental insurance, good with whatever DR. takes Medicare. Various plans available. One I have has a $147 annual deductible w/ copays of $20 for each DR. visit. Extra, however, is Dental and my plan went up $12/month. Supplemental and basic Medicare stayed the same.
Gets a little complicated, but much easier to understand and cheaper than Obama care which DW will have until 1/1/17 when she turns 65. Until I turned 65 we were both on Obama Care - what a nightmare, but DW's 19 day hospital stay in 2014 plus follow up care was well over $100,000. We were stuck for about $15,000 so it helped somewhat.
I would suggest a good broker who gets paid by the insurer.
2015 Shamrock 231KSS, Oyster shell
2016 Chev Silverado LT Z71 Ext. Cab, 4x4, 5.3L V/8
Reese Straight Line WDH, 2000W Honda Gen.
2 Old Town kayaks & 2 Boston Terriers - Zoey/Gonzo
Lar & Ruth
55 nights camping in 2015, 45 in 2016