negotiations. plus tonight's thing 1, thing 2 is next. if you have medicare, listen up. medicare alone only covers 80% of your cost, leaving you to pay the rest. changes to medicare are no laughing matter. if you don't know the plans available now, you might end up with a doctor you're not so comfortable with, or even worse, being forced to pay thousands in medical expenses due to coverage limitations. that'll be how much? understanding all the options, let's face it, it can be downright confusing.