Unless you’re worth millions, take the full pension and move to Canada ASAP. Any middle-class retiree who stays in the US hasn’t been paying attention. Medicaid/SS are on the way out. They’re going to be slashed to pay for more corporate welfare. The scam drug benefit was step 1. Next because of the huge drug payouts to big pharma, medicaid is gonna be in trouble and they’ll have to “fix” it which of course means privatization. And of course that means your insurance “provider” is gonna deny any claims you make while cheerfully cashing your premium checks. These will likely be at least $1000 a month because you’re getting up there in years. And that’s if you’re in perfect health! If you have diabetes, heart conditions, etc… forget it. No one will cover you at a price you can afford.
If you don’t want to go to Canada, you could just get into holistic/alternative medicine and forget about ever going to the doctor again.