Like you Ihave had some pretty high hospital and other medical bills over the last 4 years.
Along with my supplemental plan, I haven't had to pay $1.00, as a result I am very happy with Medicare and other plan.
My major out of pocket expense is prescriptions, my wife hits the doughnut hole May and I do in September. So beginning in May our total cost is about $600. and from Sept on it is aprox $900.
I say keep the Medicare premiums as they are and maintain the current benefits.