It's a fair standard insurance type program Medicare pays 80% you pick up the 20%. I bought a supplement policy that pretty much picks up what Medicare doesn’t pay. I don't use Medicare much right now because I'm fairly healthy but my wife has congestive heart failure so when she comes on line she will use it more so we will have to get a supplement for her too. Medicare will pay less and less as time goes on. It's not sustainable.
If you go to the SS website this is the information you get! How much does Part A cost? If you buy Part A, you'll pay up to $451 each month. But, most people get premium-free Part A. You can get premium-free Part A at 65 if: You already get retirement benefits from Social Security or the Railroad Retirement Board. You're eligible to get Social Security or Railroad benefits but haven't filed for them yet. You or your spouse had Medicare-covered government employment. If you're under 65, you can get premium-free Part A if: You got Social Security or Railroad Retirement Board disability benefits for 24 months. You have End-Stage Renal Disease (ESRD) and meet certain requirements.
In most cases, if you choose to buy Part A, you must also have Medicare Part B (Medical Insurance) and pay monthly premiums for both.