I have the FEP Blue Cross standard plan only. I do not have Medicare Part B because the premium would be about $260 per month. In my opinion, it is not worth paying more than $3,000 per year in Medicare premiums when the Blue Cross insurance has a castastropic limit of only $5,000 per year. So, after out of pocket expenses exceed $5,000, all other covered expenses are paid at 100 percent. Why do you need to spend over $3,000 in Medicare premiums when you already have adequate coverage with the Blue Cross plan? If, based on income, your Medicare premium is over $3,000, do the math and you will save money by not buying Medicare Part B. You will still get Medicare Part A, which has a zero premium.
Last edited by retiredguy123; 05-01-2018 at 09:48 PM.
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