Medicare for you will make a huge difference in what you will pay for healthcare costs if Obama doesn’t muck that up too. You will be left with the costs for a supplemental policy. Medicare pays for 80% of healthcare costs after deductible, your supplemental pays 10% after deductible and you pay the last 10%. Sounds to me, after reading AT&T literature, they’ll give us some supplementals to choose from at that time. If you hit Medicare before 2015, you’ll be fine.