Three-quarters of Medicare-eligible retirees believe their out-of-pocket health care/medical costs will go up in 2010. And that’s without factoring in health care reform.

But according to a new survey from Extend Health, the promise of reform doesn’t mitigate retiree projections that they will see higher health costs. Almost 70 percent believe their out-of-pocket costs will jump should health care legislation go into effect.

“Rising out-of-pocket medical costs are important because more than half of Americans 65 and older rely on Social Security as their primary source of income,” said Brian Bohlig, chief marketing officer, for Extend Health. “Every dollar counts.”

Extend Health, which operates the largest private Medicare Exchange in the country, surveyed more than 1,000 Medicare-eligible retirees in December.

Here are the results:

In 2010, you think your out-of-pocket health care/medical expenses will:
Go up 75.1%
Go down 3.5%
Stay the same 13.6%
Don’t know 7.8%
If a health care reform bill goes into effect, you think your out-of-pocket health care/medical expenses will:
Go up 69.6%
Go down 4.9%
Stay the same 7.4%
Don’t know

18.1%