Medicare Part B and FEHB
I also recommend you talk to SHINE. As I recall, once you are eligible for Medicare Part B, FEHB alone will only cover what Medicare Part B would cover (80%) - for more money (thanks to Congress). If you have both Medicare Part B and BCBS Standard supplemental, there are no co-pays or co-insurance and generic drugs are 15% of BCBS costs. Also if you decide later that you want Medicare Part B, there is a 10% cumulative penalty for each year you don't have it. Medicare Part B has no overseas coverage and most FEHB supplementals do. We keep BCBS Standard vice Basic because of out-of-network coverage. If you can afford it, I recommend to do both Medicare Part B and a FEHB supplemental. With an August birthday, you can sign up for Medicare Part B on the Medicare website starting the first of May
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