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Originally Posted by jnieman
Can you please refresh my memory on what is part A and what is part B?
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Part A is for in-patient hospital charges and has no annual premium. Part B is for doctor visits, surgery charges, lab testing, and out-patient care, but it does not cover any prescription drugs. The Blue Cross catastrophic limit applies to all types of copays and coinsurance. I can understand your skepticism about the Blue Cross catastrophic limit. But, I know first hand that it works. I had a close friend who had cancer for 3 years. She had massive medical bills and reached her catastrophic limit within the first few months of the year for 3 years. After spending $5,000 in copays and coinsurance, Blue Cross paid everything for the remainder of the year. That is the way it works, and I am depending on it and don't see any reason not to because it is a contractual agreement with Blue Cross. I don't plan to pay $3,300 in Medicare B premiums while Blue Cross offers a $5,000 catastrophic limit. It just doesn't make financial sense to me.