My husband applied for Medicare 2 years ago and the insurance is really bad. The 1st year we paid for both A and B but computers said we did not. We had to pay until October to get the deductible pd. He had no prescriptions so I added it last sign-up. It takes most of his check and he still has the high deductible. He also has to pay the deductible on all blood test and other medical procedures done before it starts paying and it resets every 61 days. He also has no access to vision or hearing.