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Message: <blockquote data-quote="Fred&#039;s Myth" data-source="post: 5977876" data-attributes="member: 55587">Then I would recommend Medicare A/B/D/G, this limits your out-of-pocket to the annual deductible, for covered expenses. Definitely NOT Medicare Advantage. Tap into the FedEx benefit that helps pay retiree insurance premiums. My monthly premiums run around $400, but I am several years older. Since retiring I have had 2 knee replacement, a hip repair, and a triple bypass. My out-of-pocket cost for everything was about $1000 for bills totaling over $250,000. United Healthcare is garbage.You have a 3 month window on either side of your 65th birthday to sign up without complication. Outside that window you are subject to qualifying based on health, as well as increased premiums.</blockquote>