Enroll in Part A (usually $0 per month), Part B (usually $174.70 per month), Part D prescription coverage (usually $35 per month) and a private Medigap/Medicare Supplement, most commonly lettered F, G, N (usually $40 to $80 per month) with a reasonable deductible.  

These are comprehensive plans which are tailored to reduce monthly premiums in exchange for the enrollee paying some out of pocket costs where Medicare leaves off, (capped at a range from $2,400 to $5,500).  Unlike the Part C Advantage plans, these plans travel well and are accepted at specialty treatment centers and 99% of the doctors in the USA.  There are no network restrictions and no referrals are needed to see a specialist.  

In some cases, interest bearing accounts are available to help save for your out of pocket costs.  These plans are guaranteed renewable for life!

If this scenario describes you, please call me.