It's frustrating how confusing they make these things for people to understand. It's a very complicated system and costs vary from region to region.

I found a book excerpt on Google that helps explain it a little more and also has instructions on how to get to an online Medicare tool to help give you some real numbers. After checking that out, I would still call Social Security (who handles your Medicare premiums and coordinates Federal and State benefits) at 1-800-772-1213 to discuss your personal situation.

Here's the Google link:

http://books.google.com/books?id=NBu...page&q&f=false

Overall, it sounds like it may be in most people's favor to get the extra help if you qualify, especially if you qualify for the full subsidy.

Good luck.