I tend to think like you do, Sally. I think I could start my own "Medical Fund" and spend less than if I had money automatically deducted from my SSDI check.

Dej, I will get Medicare hospital coverage. I'm talking about the health care coverage for doctor visits, etc.

I did a cost analysis and could save some money by paying cash for doctor visits and tests. Like Sally, I don't go to the doctor that often and even if I went five times a year that would be less than half of what I'd be paying yearly for Part B Coverage.

I think I'm going to try it with just Part A for the first year. I can always sign up for Part B later if I feel I need it.