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The only deductibles we have are for Part B. This year's annual deductible is $203 (per person). It goes up a few bucks every year. And drug copays, which seem to be about the same as we had with employer insurance. Also seems about the same push toward generics.

With supplemental insurance that pays the 20% deductible, we have no copays for doctor visits or even hospitalization.

Of course, Medicare plus supplemental costs more than employer insurance used to. But well worth it, especially considering we're older now and need more medical services.

For self-employed folks with individual polices, Medicare plus supplemental costs much less than they used to pay, especially in their 50s & 60s.
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