I will be 65 next month and I am being bombed by the same Medicare mailings. I have a similar concern as you. I watched my dad spend much of his retirement sound asleep in his chair because he had nothing to do, especially in winter. I will be done teaching at the end of this year, and I am busy putting together my "10 year plan," what I hope to accomplish in the next 10 years. I have a small farm and big plans. LOL.