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Originally Posted by HawkinsGuy
. I’ll have to look into that. Right now between my FEHB Blue Cross/Blue Shield plan and Medicare parts A and B, for my wife and I, it costs a total of about $1400 a month. Medicare is primary. We get to choose our own physicians. Our wonderful PCP is outside The Villages Health but we use Villages Specialists and I had a brief stay in The Village emergency room and hospital. Fully paid between both plans. Not even a copay. Expensive and not worth it- until it is!
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If you are paying $16,800 per year in insurance premiums, I would recommend that you do the math and compare what would happen if you cancel Medicare Part B. Part A is free. I have the FEHB Blue Cross standard plan as my only insurance. The annual catastrophic limit is only $6,000. So, the maximum out of pocket expense for me would be $6,000 (which I can afford if necessary) and everything after that, including drugs, is fully covered. The Medicare Part B benefits are mostly redundant with Blue Cross and almost every provider accepts the Blue Cross. For me, it is a no brainer to not carry Medicare Part B.