I just spent 40 minutes on the phone with my healthcare insurance for Medicare. Absolutely every minute was productive!
The agent went through my plan options reviewing the pros and cons of both. Once I had decided on a plan, he completed the application, sent it to me for signature and submitted it.
The monthly premium is $42. The other plan was $0., but had some 'gotchas'. I went with the plan that I did because even though there is coverage for things I don't need yet, I'm not getting any younger!
The only major step I have left to finish is actually applying for social security, and I'm going to hold off on that one as long as I can.