I don't know why I am responding to this post! Amy is a much better resource for this than I am but I remember my father having Medicare A & B and also an additional, relatively inexpensive, supplemental policy through ARRP that paid what was remaining of the deductible. I remember him having a broken femur, extensive surgery and repair with in hospital rehabilitation and it was almost 100% covered. He saw many doctors and had lots of procedures & meds and I remember paying very little for all of it (Like microMohs facial cancer surgery at UCSF). I had to manage the money, so I had a pretty good handle on who got paid what. I want to caution you that this dated information. My father passed away in 1995.

You may want to discuss Medicare options with your current doctors to see how they will handle Medicare payments.

Optionally, you should also be able to COBRA your husbands insurance for 18-36 months (depending on what set of rules you fall into). It is expensive. They can charge up to 105% of the original premium I believe.

Can he extend his retirement until you are done with the big stuff?