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"does Medicare really help lower costs - of both insurance and out of pocket?"

We've been retired since age 62 and we're 72+ now. It WAS costly before we could start Medicare and Medigap.

Now, Medicare (currently $93 apiece deducted from each Social Security) and our AARP Medigap (United Healthcare, $340/month for the two of us combined) have covered almost everything except the dentist. Is it worth it? You be the judge.

I've had 2 surgeries, both covered. Even the 20 % not covered by Medicare might have been horrendous, and these were not HUGE surgeries (like heart bypasses, etc.). Doctor checkups and specialists, all covered. Echocardiogram, etc., all covered. No complaints. Just be sure to ask any medical person you plan to see if they accept Medicare. If they do, they do. Period.

Except the DENTIST! Man, that gets costly for our regular cleanings AND any work needed. Used to be a filling was $40, right? Try $200 plus now.


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