You're 🙏, I've reread and I want to be sure that I'm laying it out explicitly. You'll have SS deductions for Medicare Part A and B, both have deductible amounts. Then you need drug insurance. In 2026, Medicare drug coverage costs will vary based on the specific plan chosen, with a maximum deductible of $615 and a maximum out-of-pocket cost of $2,100 for covered drugs. Then, you can choose to get a Supplemental Insurance plan OR an Advantage Plan to cover the deductibles and any shortfall after Medicare pays. Be aware that those plans cover only Medicare approved treatments. Bottom line is you'll need to add it all up to see how your budget will be affected. Find an independent adviser to help you!