Just spoke with a former co-worker. His wife needs both hips replaced. She had the first one done about five months ago. Medicare refused to pay. He also has federal employee insurance and they said they will pay if Medicare does not. Medicare refused to pay because they do not consider the operations medically necessary. Something to consider – Uncle Sam thinks you should be in wheelchair, writhing in pain. I guess they figure it's cheaper for pain pills and a wheelchair than paying $106,000 for hip replacements. Didn't Obamacare include death panels (review boards)? Didn't the supporters say that was a lie?