I should have mentioned that I was referring to Medicare part B
“I was referring to Medicare part B”
By law, the $110 monthly you pay for Part B coverage only covers 1/4 of the true cost of the benefit (the rest is subsidized by taxpayers). Thus, unless you are unusually healthy or have employer coverage, it generally pays to take Part B, as the premium you’ll pay generally would be well below what it would cost out of pocket to get those services were you lacking Part B coverage.