After you graduate, looking into employment in government might be a good idea. My grandmother is a survivor annuitant (grandfather worked for the federal gover

After you graduate, looking into employment in government might be a good idea. My grandmother is a survivor annuitant (grandfather worked for the federal government) and she has Aetna PPO through the OPM in addition to plain Medicare A/B. It acts as a medi-gap policy when a provider accepts Medicare, and acts as a normal PPO when they don't. I'm not sure if you would be eligible for something similar, but I think it's worth looking into. The only thing that's a pain about it is Aetna conforms to Medicare's policies on covered care, so if you want something and Medicare won't authorize it, you have to go to a provider who does not accept Medicare to get it. You can also get coverage from a provider who accepts Medicare when the treatment isn't covered by Medicare by switching from Medicare to a 5-star advantage plan, since Aetna would not longer be able to fall back on Medicare not authorizing it, but then you lose the medi-gap aspect, although that's not too bad because Aetna has OK out of pocket maximums.