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diabetes is my own problem, this is the one way I know that Medicare has already given mega-benefits during the time I've been on it. My payments for Medicare (I have plan B so I do pay) also are cheaper than my old insurance-even after I factor in the supplementary plan that pays for most of what Medicare does not, and of course the Plan D now required for prescriptions.

There probably are other health problems where Medicare offers extra help or even (as with diabetes) full coverage. Again, read that book or ask your pharmacist.

Both Medicaid and Medicare mean more paperwork than private insurance ever did. I asked about keeping just Medicare and my old insurance. Because of my age my old private insurance would have gone up $200 a month the minute I turned 65 - and still would have been secondary to Medicare. At my age, it already was too expensive even if it paid well when it was my only insurance.

If you qualify for Medicaid (see your area's SRS office), you can save a lot of money. Even if you only have Medicare, do real the manual, ask both your doctor and your pharmacist about whatever your health issues concern. There are ways, perhaps not to save out-front, but I know that I've receive almost $1000 in free test strips so far. And I'm not yet 66.

Learn more about this author, Margaret Shauers.
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