Medicare Part A is hospitalization and Part B is everything else. If you decline it now, you will pay a penalty when you want it in the future . . . so check this out at the Medicare Website. Medicare without any supplements has deductibles and co-pays, and no prescription coverage. You must take Part D to get drug coverage. There are a host of medicare supplements (medi-gap) plans available, and there are online sites that can help steer you to which ones are available in our state and which would be the best choice for your situation.

I do not recommend declining Medicare Part B coverage. It will cost you in the future, and it offers decent basic coverage for office visits, clinics, and diagnostic tests.