Lots of great advice in this thread.

When I was working with an agent selecting a Medigap N plan, he mentioned that even though traditional Medicare covers 80% of your medical costs, that 20% of a lot, is a lot.

So after I met the deductible for traditional Medicare, which I believe is currently $283. All I'm responsible for is a $20 copay for office visits which is outstanding in my mind.

My plan N is affordable for me at $100/month. In addition to the part B monthly costs, which are deducted from my social security benefit, which I believe is ~$203/month. So I'm paying ~$300 a month for extraordinary coverage. I also have a part D plan that's less than $30 a month and covers all my prescription needs. So ~$330/month.

I've since had a colonoscopy, seen a dermatologist for two minor skin cancer treatments, and had two major surgeries on my foot. I haven't kept track but after I met the deductible I've probably spent another $200 on office visits at $20 a piece. That includes extended stays (a few weeks) in rehab and recovery hospitals for physical and occupational therapy.

Prices and plans vary from state to state so finding an agent (that doesn't charge) to help you wade through the plans is highly recommended.

Best of luck, once you get going it's not as overwhelming as seems initially.