Even with Medicare, healthcare rarely becomes free; deductibles, copays, and coverage gaps still add up.
Where the costs come from
Original Medicare has annual deductibles for Parts A and B, plus 20% coinsurance on many Part B services.
Ways to plan ahead
A Medigap policy or Medicare Advantage plan can cap or reduce out-of-pocket costs. Consider a dedicated healthcare fund.
Dental, vision, and hearing are generally not covered by Original Medicare.