$220,000 medical expenses after retirement?

[SheilaT]

9. I find those numbers to be astonishingly high.

Maybe because I have almost zero medical expenses. I take one prescription drug. When I was working the copay was ten bucks a month. Now that I'm on Medicare and have an Advantage plan, it's four dollars. I have a zero copay for routine office visits. Thirty bucks for a specialist, sixty-five for emergency room visit.

I think those average numbers are arrived at (and they are outside what you pay to Medicare in the first place) by averaging everything, every retired person's costs. In reality, some of us will have almost no out of pocket expenses. Others will have a lot. Many of us will have a lot more as we get older and presumably sicker.

You might want to guess where you'll fall along the continuum and plan accordingly.