You are giving him good advice.<quoted text>
you should really look into getting a part b supplement...it might sound expensive now, but it covers ALL the out of pocket expenses that medicare doesn't...it really is worth it.
if you have a 401k plan, you could use that money to pay for the insurance.
living off a pension and ddsi just isn't enough anymore...
I also really think he should double check as to what coverage he still has under his wife's policy. She likely had pretty good coverage as a teacher in NY but a lot of group policies drop coverage on dependents who reach 65. Fact is a lot of employer group policies lapse also once no longer employed.