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I have Fed BC/BS basic and Medicare part A only. If I use the VA for my medical needs, I pay no copay other than $8 for a 30 prescription. When I had a $22K surgery, I paid $120 copay using BC/BS. My wife's medicine doesn't exceed a hundred bucks a month so we probably save about $300 a month by NOT having Part B. I am sure that everyone is different and may or may not save money by having part B medicare. I have to admit that Florida Blue has been a pain in the *** to deal with, compared to where I was located before I came to Florida. If I had to pay the total premium for BC, I would not have it and would definitely go Medicare A,B and C or D or F, whatever gives me the prescription plan. There is no way that I would pay the total monthly premium for BC/BS.