This distorts what is reality. Currently, when an individual turns 65, Medicare rules prohibit private insurance paying for care that is covered under Medicare parts A & B, regardless of whether or not the individual chooses to sign up for Medicare. Don't believe it, call Medicare. I found it to be unbelievable as well when I heard it from my insurance company. Medicare confirmed it. So, to keep full coverage I have to keep my private insurance policy (of course no discount in rate) and sign up for Medicare and pay an additional premium for Medicare Part B.