$220,000 medical expenses after retirement?

[question everything]

These are the numbers that come. Used to be $250,000 and I think that this is for a couple.

But I am not sure how they calculate. Say there are based on 20 years of retirement. This is translated into $11,000 a year. With both our Medicare and private insurance at about $450 a month, even though Medicare is deducted from our SS payments - that's about $5,300 a year. Adding long term insurance of about $3000, that $8,300 a year. So that leaves about $2500 for other medical expenses including some expensive medication that my spouse has to pay while in the donut hole.

This makes sense to me. But I admit that when I first hear $220,000 medical expenses - this scares me. I suppose there can be hospital expenses that will not be covered. Holding my fingers crossed.