That's the key. Make sure you have a good secondary policy for your Medicare. Since I'm older, and have been on it for some time, I chose a supplement policy through Blue Cross - Blue Shield, that has pretty much zero deductible. It's an "F" policy, and no longer available. I'm hanging on to it because I know the value. I had major surgery 11 years ago, and the hospital billing and doctors was over $300k. Between Medicare and my policy, I had a zero co-pay.
Since then, the policy has gotten expensive, because they'd like to have us surrender them. I pay $368 a month for my supplement, and my wife is $325. Costly, but we have never had one iota of deductible for anything.
Above all, relate to your health, and how you see it 5-10 years down the road, when choosing a policy. If you're 64, start researching thoroughly. Know that the choice reaches a balance between what you think you can afford for doctor visits and specialists, as well as all things including hospitalization for even short periods of time.
Sometimes it pays dividends to pay more monthly, than paying less, and paying a huge deductible when something happens. Go to the Federal Medicare site on the internet and research them all, if you haven't. And above all, be careful about your choices depending on your lifestyle. You don't want to be caught short on doctor choices if you decide to do any traveling. Some of their policies have such a small group of participating doctors and hospitals that you can hardly go past the county line to get varying medical help.