I am trying to wrap my head around the ins and outs of Medicare---ugh! In expectation of retiring in the next 12-18 months. I am 65, very healthy, no problems. I have no risky hobbies, don't ride a bike, no horseback riding, no climbing. Don't even drive. I'm super annoyed by the cost of the Medigap policies and am wondering if they are worth it for someone who is fit and healthy. Yes, I do know that old age is coming whether I like it or not...