I am also a Federal retiree, and I have the Blue Cross Standard plan. I do not have Medicare Part B. Not paying the Medicare premiums has saved me thousands of dollars, and I have had no problem finding providers who accept the Federal plan. The way I look at is that I can afford to pay the Blue Cross catastrophic annual limit of $6,000, if I need to. After that, everything is covered at 100 percent. Do the math. In my case, it is a no brainer because I am subject to IRMAA, which makes my Medicare premium higher than the minimum. Check the IRMAA income limits.
|