Well, here's one thing about Medicare/Medigap. We (DH and I) went on Medicare in November 2103 when his Lymphoma required that he go on disability from his employer. I had already qualified, even though I'm under 65 because of stage IV SSDI but hadn't signed up with Medicare because I had good insurance through his work. He is old enough for Medicare, but likewise hadn't used it because of our private insurance. So, when I called to sign up for Medigap through AARP he was in the hospital for the lymphoma. They would provide us with Part C, butt would NOT cover anything having to do with the hospitalization, or anything he had been treated for in the prior (I think) six months. Unfortunately (or fortunately,, depending upon how one looks at it) he was in the hospital for his bone marrow transplant. It cost an incredible fortune---I guess around several hundred thousand dollars for the whole preparation and actual procedure---at one point I was giving him 6 shots of Neupogen a day for 6 days at $8500 per injection---so just that was $50K per day
. That went on for two different weeks. So, maybe the bill is even more than I think.... Anyhow, I've have yet to learn of our total obligation to Dartmouth, but even 20% of that bill will be breathtaking. I can't really stand to think about it very much and try to put it out of my mind for now. He hasn't worked in a year, I still have an unsold house in Pittsburgh, and an incredibly expensive lawsuit going on in Pittsburgh, so, like Scarlett O'Hara, I'll think about the hospital bill tomorrow.. or so.... Also have a husband who is now, miraculously enough, able to return to work as a physician, but refuses to do so. SO, there that is.
Just sayin...not all Medicare co-pays are nothing to worry about.