This is why I am taking the State Employees Supplement. It’s expensive but keeps you on “work” medical insurance.
Medicare is expensive.
We had supplemental insurance as a retiree, but found out that if Medicare rejected the claim, they did too, and they did not provide drug coverage.
People need to be careful of supplemental insurance. We were spending more on premiums than we ever got back in a year from reimbursements or coverage.