We will be in this situation soon with having to pay for our health ins on our own in full until we hit 65 and can then have Medicare with a supplement. I just know that paying for a good policy with or without the supplement is the best way to go if you can. I can just speak from experience with my mother who over years and years of coverage has never paid a dime out of pocket. This includes hospitalizations, specialists, outpatient testing, etc. I don't think she got the prescription part so just goes by her Medicare on that part (I think). I don't know yet what the cost is for that kind of plan but I will surely do my research.
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