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John: Medicare will cover 80% of your costs involved with your radiation or other services including hospitalization. Your wife's COBRA with a $10,000 total copay is extremely high, therefore, depending on your current health position, i.e., if you can wait until your next birthday, go with the supplemental plans through Blue Cross, A.A.R.P. (United Health Care), Humanna, and a host of others that are available. Once again if you have time, I would solicit their program information right now, as each program will explain the differences and monthly costs involved. Where I live, my monthly Blue Cross/Blue Shield premium is $161 which pretty much gives me 100% coverage minus my $15-$20 co-pays, including prescription drugs. I am not sure if you filed for total disability, you would be able to saddle up with a supplemental insurance because of the age. Not sure if this helps as states differ, or it may pay to seek an attorneys advice in your state. Usually other state programs are available that you can check on. Jack
