[Sunroof]

It does vary from State to State! But in a nutshell, I opted for the Medicare Advantage Program with Humana (Humana Gold Plus HMO). My health is excellent so I figured I would select a Primary Care Physician, which is required and can be changed anytime, and all within a huge network of doctors, hospitals, walk in clinics, etc (Piedmont Health Care of Georgia). With this type of set up my records stay within the Piedmont system and follow me anytime I need a specialist, lab work, testing (physical, colonoscopy, physical therapy, etc, etc). So now I have this large network of doctors to choose from without benefit of referral.

Add to this free vision care, silver sneakers (free membership to just about any health club like Planet Fitness for example), 24-hour nurse hotline, FREE Tier One drugs (Humana Lab Services where 90-day supplies are mailed to my home) and a bunch of other free services all for the cost of.......................ZERO DOLLARS!!!!!!!!!!!!!

The cost of Medicare A and B come out of my Social Security check each month for $105.00 per month. For me Medicare is the greatest bargain in the world!!

If however, I had health issues and opted for the PPO program which allows for using doctors outside the Piedmont network, the cost could be as much as $75 per month. So really its all dependent on your location, health, drug needs and who in your state offers Medicare Advantage programs. I live in a large metropolitan area so I am fortunate I have huge support within the Piedmont system.

What I discovered is a multiple number of programs that each insurance provider offers which would include HMO's and PPO's and Part D drug programs. Much of this depends on your present day health needs. Costs would vary state to state, so do your RESEARCH if your close to getting on Medicare.