eddie and jprinz....
thank you; this is exactly what I was asking.

I am on disability, so I get medicare part A, I have the option to choose B for 99.90 taken out of my disability check each month.

Is there a deductible with part B too?

Or, I can opt out of the part B, and stay on my husbands insurance. It costs me $300 a month to be on his plan. But the coverage is good. I only have copays. $40 for a specialist and $20 for a regular doctor visit.

So, Jprinz; you are saying that even if I choose part B, I have the 99.90 taken out of my disability check, and then I would have to pay an additional monthly fee depending on whether I choose an Medicare plan like Advantage.

One more question, so if the doctor accepts assignment, you do not have to pay the 20%? I am a little confused by this, as you said you pay $45 copay.

thanks so much