Welcome to my world. I have Medicare part D plus Blue Care Network. I have a family and teenage daughter and also am self employed. To cover them I have Blue Care Network. My annual health care liability is 30K (insurance plus deductibles). I recently had extensive surgery with a hospital bill of 54K. I am still waiting for the "not covered" bills to arrive. The real problem is that decisions are based on insurance coverage - not what is in the patients best interest.

There are lots of people on Medicare who don't have other insurance. They pay for it, why not use it? It's not perfect but it's way ahead of not having any insurance.

I pay for Medicare and I'll never use it. I am covered under USFHP (Uniformed Services Family Health Plan). But I don't care. I don't need it. I have no copays and coverage you wouldn't believe.