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Originally Posted by retiredguy123
I am 68 and have had the FEHB Blue Cross Standard plan since I retired. Personally, I think it is a waste of money to pay for Medicare Part B in addition to FEHB. It is redundant. My Medicare premium would be over $260 per month, based on my income. I don't see any reason to pay over $3,000 per year for Medicare when the Blue Cross catastrophic limit is only $5,000 per year. So, I have saved over $10,000 in premiums so far by not buying Medicare. Medicare part B is optional and not necessary. That is my opinion. Good luck.
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I totally agree. Medicare B will cost you over a hundred bucks per month, per person. So if you are married, you will be adding a couple hundred bucks a month that gives your private insurance break from the responsibility of providing the same service. Medical services always charge Medicare FIRST before the private insurance provider. If you have BC/BS like I do, then why bother throwing away a couple hundred bucks a month? The one problem I have encountered in Florida is that BC/BS has caused me billing problems because they think that everyone has Medicare B and they act like they do not want to pay your bill. It has been a major headache trying to get them to pay the bill and I have had to send them copies of our Medicare card that says we only have Medicare A; so far we have mailed them around 8 times in six years. I never had problems with Blue Cross until I moved here. So far, Medicare has been a total waste of my decades of paying for it. But, that is just my opinion.