When I got medicare I had planned to get a supplement (medgap). It's very expensive but I have not had one bill, nothing. It goes up $10 monthly every year. It is now $221 a month, and with medicare and part D, which is the highest plan all total about $440 a month. I had double compound fracture surgery, I paid nothing. No deductibles, no copay, no 20% on tests, I have had mri's, my cancer labs are very high, and I can see any Dr anywhere. Before medicare i was paying about $100 a month the clinic let me carry. I would put off going to Dr because I couldn't afford it.They have all kinds of plans, I have plan F, but others that are less. My part D is almost $90 a month and only one copay, the rest are free. I got one relative to switch, he had to pay hospital $8,000 because of advantage plan. If you are in this age look into it, you get regular medicare, then this. I had older relatives that have this.