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Each is better than nothing, but do not expect your medical expenses to decrease when you are on Medicare. Big copays, big deductibles, large numbers of specialists who do not take Medicare, etc.

Its not impossible, but it is unusual to have high out of pocket costs under Medicare. Medigap and Part D drug coverage...even the basic plans...will limit out of pocket to a few thousand dollars, while the better coverages, particularly Medigap Plan F, will cover just about all medical out of pocket.

The conditions I can think of that will be high out of pocket while under Medicare are

- Getting medical services not covered by Medicare
- Not enrolling in part B or part D coverage with no other insurance
- Getting expensive dental procedures, such as a bunch of implants

The only groups I've come across that are paying more in premiums and copays under Medicare than what they were formerly paying are Government workers, particularly the Military retirees with Tricare. For just about everybody else, Medicare part B + Medigap + part D, or Medicare part B + MA plan is less expensive that what they were paying.

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