[GypsySooners]

Hi everyone and thanks in advance for any help.

I just turned 64 and have begun trying to figure out medicare.

I retired from the Postal Service two years ago.

I'm healthy to a fault and had a perfect checkup recently, the first in four years.

I am currently insured by FEHP, BCBS, Standard Option. My portion of the policy is about $160 a month.

I understand that I must pay $99 a month for Medicare Part B when I turn 65, is that correct?

I know that my great health could change at any time but I just can't see paying $3100 a year for medical that I probably won't use. Doesn't Medicare Part A cover anything major? Would I be better off just saving my money and paying the difference if something did happen?

I need help! I'm so confused by all of this!

Thanks again!