The part D is like $60/ month. With a pretty high deductible. My Rx currently cost about 0.47 a month.Yep, you won't save money if you have a very good income after retirement and get a good Supplemental plan. I'm happy to have the income and pay the extra though. It's hard to say you're retired when you've always been self-employed and you simply change the focus of your work. I never had anyone else to pay my policy, so I paid for all my crowns and glasses myself so that didn't matter, and had basically a catastrophic major med. Before Obamacare, I had to have a special policy through a large group insurance with my Professional organization to pay for pre-existing. And the best I could do still had some copay, along with being more expensive. But I was happy just to get it and I'm even happier to get Medicare. I thank God everyday for many things, and American healthcare and Medicare are part of the crowd. Which is another reason I'm a generous giver and now I've got another charity on my list.
And though Medicare used to be a bad plan I've heard, it's now (with the Supplemental) the best I've ever had (though again, I chose to be a 'lone wolf' and didn't get a W-2 after 1979--part of that problem I have with Authority). Before, I still ended up with some significant out-of-pockets. Now I pay virtually nothing OOP for actual care, though the test will be this last procedure which I can't even guess what it cost.
PS I don't know about your Part D drug plan, but mine is very reasonable. It's AARP-Humana. My supplemental is AARP-United Healthcare. AARP's politics suck, IMO, but for a guy like me it's good Insurance. So I just send back their 'push' questionnaires with pithy disagreement replies and "F your Democrats who are 'Fighting for me' ".