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If you like the HMO type deal, you can get that through Medicare -- it is called "Advantage" -- all the insurance companies have them. Many of these programs include some drug coverage. All I have heard about reduce of eliminate the Medicare Supplemental premium.

Your costs most likely were be subsidized by your husband's employer. Just so you realize the deal you are getting, by law (Congress decided this), the Medicare Premiums paid by retirees cover 25% of the total cost. The remaining 75% is from working folks.

Your medicare supplement is not subsidized, but in round figures, that is about 20% of the medical bill.

Lastly once you are 65, do not forget Medicare Part D -- failure to enroll in that will cost you a 1% per month penality for life. So decide to skip for 1 year, and you will pay 112% of the normal premium no matter what plan you select until you die. You can find some lower cost plans which make sense if you are healthy. You can switch once a year if you need more medicines in the future.

Switching Medicare Supplemental policies is not guaranteed -- it can be done only if the new insurer wants you, with one exception -- if your current insurer stops issuing coverages, you will get some coverage but maybe not what you want.

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