[Roccus]

I was just attempting to explain to TP what he was facing, I wasn't complaining about the premiums. If there were no Medicare, chances are my former employer would not have had my insurance reduced. With Medicare, the reduction in coverage becomes the only sensible option for my employer to take, just as part B is the only sensible option for me. Those are the rules and I'm just playing by them. The justice or injustice of Medicare was not the point of my post. I had no say in its passage. I wasn't allowed to vote.

[DrC]

“The justice or injustice of Medicare was not the point of my post.”

I wasn’t trying to be critical of you. You presumably already had figured out Part B was a good deal, so my comment about the premiums covering only 25% of the cost really was for the edification of others faced with this decision.

Except for those who might have moral qualms about accepting government-paid insurance (for which they themselves would have been paying payroll taxes over many decades), the decision about whether to buy Part B generally is a no-brainer. Very few elderly would be better off “self-insuring” their Part B expenses.