I've been on medicare for 12 yrs...I'm 77. I take ONLY straight medicare, no supplemental (cost prohibitive for me) and no HMO's. I pay my co pays when necessary and try to stay out of doctors offices. I've changed my priorities and am prepared for copays as they come up. I am my own doctor a LOT. Use a lot of supplements, so I'm pretty healthy all in all, deal with bodywide OA and a hip replacement mess. That's my story on Medicare.

I have a great integrative MD and she accepts medicare so I see her probably now once a year.