[JeanLM]

“I figure I should be able to retire when I’m 80”. That is exactly my plan too, in 3 years. Then I plan to spend it all in the next ten years. Getting all joints replaced now for the last lap.

[GOPJ]

My brother had his knee replaced last year. He has the medigap "F" plan (about $190 a month. It's only "guaranteed acceptance" for the three months after you turn 65 and have medicare - so don't miss the deadline). Brother's knee procedure - billed close to $100,000 - - cost him ZERO. No co-pays - ALL excess charges paid in full - doctors, hospitals etc. If you know you're going to have required surgeries do yourself a favor.......Get the "F" medigap plan and keep your money

I've had the "F" plan for years... I have not paid one dollar to a doctor since I got it - and there are NO NETWORKS. Go to the best doctors your town has to offer... And don't let insurance people talk you into a different lettered plan - NONE of the rest of them cover excess charges... You don't want A or C or G... None of them give total coverage.

https://boomerbenefits.com/medicare-supplemental-insurance/medicare-supplement-plans/medicare-plan-f/