[784caroline]

Originally Posted by retiredguy123

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.

I can follow your logic based upon Todays world, but things can change dramatically with the Federal BCBS plan.....and once your out of Medicare Part B...its extremely expensive to get back in!