Quote:
Originally Posted by retiredguy123
I have BCBS Standard with the Federal Government, but I do not have Medicare, except for the free Part A. I have saved thousands of dollars by not paying the Medicare premiums. The BCBS has a $6,000 annual catastrophic limit, which provides all the protection I need. Yes, you are not paying money out-of-pocket, but you are paying high Medicare premiums, especially if you are affected by IRMA. Do the math and compare the Medicare premiums with the $6,000 catastrophic Blue Cross limit to see if you really need Medicare.
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I didn’t think BCBS would pay once you were eligible for Medicare part B. My brother didn’t sign up for part B and then he submitted a hospital claim and they wouldn’t pay it because he was eligible for Medicare. He missed the window to sign up and now he pays a much higher premium for Medicare part B as a penalty.