Our monthly insurance cost just went from $135 to $280 and when I get to Medicare it will go up to $461. Also we now have huge deductibles with BC/BS of $250/$1500 per person.

Diane,

Now your work begins - I'd suggest going to medicare.gov and looking at all the information that's there. Different areas of the country have different supplemental policies, so you'll need to see what's available to you in your area.

Try not to get discouraged; there's lots of reading and comparing to be done, but I think you should be able to find some hope. I know for me, after I went through all that was available and finally chose a plan, my monthly costs went down drastically.

It was much better for me to give up the benefits offered by my former employer and go on my own. I now have basically the same coverage I always had while working, but the premium is only $20/month in addition to the Part B amount (which, by the way, is $96.40 for me this year). I had been paying $266/mo under my former employer's plan.

Good luck, and again, don't be discouraged.

Karon