I have BC/BS Federal High option (the most expensive). My husband was a federal employee for over 30 years. I am 64 years old. Over the last five years I have had a lot of out of pocket expenses which mostly consist of copays for x-rays, MRI's, CAT scans, blood work, co-pays for pain management procedures. Over the last five years each year our out of pocket was over $10,000 for these type of expenses. The co-pays on these types of tests are 15% of the allowed amount. I am counting the days when I get my medicare this fall so that these expenses go away. I couldn't imagine not signing up for Medicare when it becomes available to me. This article has a lot of information. One that sticks out is the difference between the allowed amount and billed amount. I think that is what has cost me so much.
FEHB and Catastrophic Protection