I had a wonderful insurance company. Then at 65 they FORCED me to take medicare. Now I still have my wonderful insurance company but they are my secondary (which means they pay nothing). Medicare pays for some (?) when I go to the doctor once a year for my thyroid blood work, it cost around $400. Now my two great insurance company's don't pay anything cause I have not reached my deductible (which is low). AND if my income goes up -my cost for medicare insurance goes up - then I have to pay the monthly amount plus $$ more. Take every dime when they can....PLUS when you are on medicare they want to run every test on you they can get away with to create a problem * a pacemaker cost $76,000 & medicare pays all of it....the doctors know what they are doing. I say NO to any & all test..when I get sick I will let them know.