Quote:
Originally Posted by daca55
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.
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Not true for retired Federal employees. I have never had Medicare Part B. It is entirely optional. The only health insurance I have is the retired Federal employee BCBS Standard plan. Since I fall under IRMA, my Medicare premiums would be very high and a waste of money. With the BCBS insurance, the catastrophic limit of $6,000 is a great benefit. If I ever need to pay high medical bills, my maximum out-of-pocket annual expense, including hospital charges, surgery, doctor visits, prescription drugs, copays, and other fees will never exceed $6,000. To me, that is the only health insurance I need.