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Fed retired, with the basic FEPBLUE (blue cross/blue shield). Saw no reason to invest in Medicare "B" and pay almost $200 EACH per month when FEPBLUE pays most of our med bills. Yes, we have a Co-payment plan but we also have prescriptions as part of the plan. I do get a break with the VA, since I only pay a small Co-payment for my meds if needed. But, the VA takes payment from BC/BS as full payment otherwise. Almost everyone around here takes BC/BS so there is no reason to worry about coverage. FEPBLUE is handled by Florida Blue here, and has not been that great with their administration for us compared to elsewhere. But, they are still better than many, in my opinion.