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Originally Posted by tag460
My Wife had Federal Bluecross/Blueshield for years but turning 65 this year made her eligible for Medicare. With her on Medicare we decided to drop her Federal Bluecross/Blueshield because of the cost. We met with an independent Health Insurance Representative outside of The Villages and discussed different supplemental plans. We chose Unitedhealthcare, they have two options, one is no cost and the other is $80.00 a month. With that said at the moment the Villages Health Clinics are only accepting Unitedhealthcare to be seen at there clinics. There are doctors and specialist outside the clinic that are preferred providers. Because she turned 65 this year we are eligible to change again during this open season and I am looking at other options.
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I have the Federal Blue Cross standard plan, and that is the only insurance that I have. No Medicare Part B, but Part A is free. There are plenty of preferred providers in the area. The only disadvantage to not having the United Health Advantage plan is that you cannot use The Villages primary care doctors, but you can use their specialists. If I were to buy Medicare Part B, the supplement, and Part A, my premiums alone would exceed my annual Blue Cross catastrophic limit of $5,000. I would suggest that you reconsider dropping the FEHB, especially if your Medicare premium is higher than the basic $135 per month. Mine would be over $260 per month. If you can budget for the possibility of an out of pocket expense of $5,000, everything after that will be covered at 100 percent, including drugs.