Quote:
Originally Posted by jnieman
I just had to go to the emergency room. I have standard BC/BS Federal and no medicare (not old enough yet). I now have a bill staring me in the face for almost $800. While there I had a Cat scan, blood work, EKG. I have to pay co-insurance on all of that. If I had medicare part B my out of pocket would have been probably zero.
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With BC/BS Basic, you do not pay deductibles, only co-pay. A $22000 knee replacement cost $150 hospital co-pay and a $150 doctor co-pay. I believe I got the doctor co-pay right. A family with the Standard policy will pay something like $10000 deductible. But, I think the whole thread was the idea of having Medicare B WITH private insurance. My opinion is that it is not needed. Medicare A pays hospital costs. Having a great private insurance like BC/BS FEDERAL, it just about covers most most of costs.