I think we need to get one thing clear on Medicare. In addition to what a person has paid in, which only covers hospital expenses, one must additionally pay about $100/mo (subtracted from SS check or paid for if one has not started collecting SS) for other medical expenses outside of hospital confinement.
I wish they would do away with it for all but the poor that are past 65. I am not smart enough to lay out a plan for them to do it. Hubby and I are not really in need of government help and I feel that a lot of people our age are in a position to buy their own medical insurance.