All that one is "forced" to take is Part A, as it's a freebie for which you've already paid. Part B is voluntary, although there are severe penalties for not enrolling when able. But, remember if one has creditable coverage, there is no penalty for delaying Part B, until said creditable coverage ceases.

With a 0 premium MACD (just paying for Part B). Although, I've only seen a physician three times, since spinal surgery in 2007, it's a five buck copay for primary care. Twenty-five buck copay for a specialist ... and drugs, if generic and I use their mail order pharmacy (2 day delivery) the copay is zippitty-doo-dah. Inpatient hospital is a $750, per day, for the first three days ... then, I ride free for the remainder of a 90 day period. All other facility based charges (meds, docs, nursing, etc.) is fully covered.

Health club membership is a freebie. And 70 dinero, per year, of OTC crap (vitamins, bandaids, etc.).

Now, consider what I was forced into with obimbo care .... a $7500 INDIVIDUAL deductible (seventy-five hundy for me .. and the same for the missus), followed by 60/40 coinsurance until I hit a MOOP of around $8500 ... again, that's PER PERSON. That ran over $1300 per month. So, a couple of Part B payments, which is under $300, COMBINED (better half and I) ... I think that Title Act 18 is the greatest thing since sliced bread ... Actually, FAR better.