Social Security guru Mary Beth Franklin, author of Maximizing Social Security Retirement Benefits discovered there are specific benefit advantages for different situations:
Don’t kid yourself, medicare is not free. In fact if your modified adjusted gross income, which includes everything on your tax return, (plus any tax-exempt income even!) is more than $85,000 a year for singles and $175,000 for marrieds you can get hit with a much higher monthly premium for Medicare Part B, which basically covers outpatient services and doctors’ fees.