Social Security & Medicare

Most of your coverage is taken care of by Medicare. The only time you might need supplemental is when you are so sick that you have to be hospitalized for months. And if you're that sick, you are probably not going to last very much longer anyway. What? You think your kids deserve a large inheritance? The HealthScare people will eventually drain you of any savings you have anyway...whether they do it little bits at a time...like supplemental premiums or by one last big rip off. With supplemental, you guarantee that you will shell out, every year, way more than the original medicare deductible. If you don't get sick that year, and you didn't pay all those supplemental premiums, you are not out the money. You've saved from having to pay supplemental premiums. The supplemental jackals used to accost people in parking lots and pester them by phone and knocking on doors until the government made it illegal. Now they are left with commercials and snail mail advertisements luring you in with free meals and a big sales pitch.

But, hey, yeah, if you are the sickly type then maybe that is for you. Stop pigging out on those Mickey D's and super-sized fries..quit smoking and drinking and maybe you won't need to get suckered in by those supplemental insurance scammers.

What a lot of people may not realize that if they ever served in the military..they qualify for VA. And if they are 65 or older they also have medicare. VA is good, at least, for keeping the cost of medicines down...something like $8.00 per prescription (often for a 120 day supply) if your condition wasn't service connected. If connected..it's free. The doctors may kill you in other ways...like ignoring symptoms and avoiding tests..like CAT Scans..ie: early detection of cancers. But, at least they can save you on medications. I know someone who was in a great deal of pain for a long time and the doctor would never prescribe tests...just pain killers that would eventually not work. His last prescription was for physical therapy "to help him deal with the pain". Shortly after we took him to the VA hospital emergency (twice- and his VA primary care doctor fought it both times), the hospital did the scans and found massive cancer that had spread all through his bones and body. He died a few months later. I thought this was just VA incompetence but I learned of another acquaintance who had regular healthScare insurance and she had a similar experience.