[mixsonci]

I need some advice and guidance from the most knowledgeable people I know.

Some background, I am a Federal Gov employee with excellent health care through the USG with 20plus years of service. I will be retiring at the end of this year (YAY). I will keep my existing health insurance through the USG at the same cost which also includes medications.

My dilemma is, do I also buy into Medicare Part B? If I have both the USG plan and Medicare B, I will be completely covered and will pay virtually nothing out of pocket nor will I have to deal with paper work, like claims forms. However, I will have to pay over $100 per month for Medicare and Medicare will become my primary insurance. If I go to a doctor outside of Medicare, my USG plan will not pick it up, they will only pay what they would have paid with Medicare. If I don't opt for Medicare right away, I will pay a 10 percent penalty for every year I wait after eligibility. I could opt not to take Medicare at all and keep what I have now, which is pretty good, but as I get older, I'm sure I will be needing more medical care than I do at the present time and my personal costs will go up.

How difficult is it to find doctors who take Medicare in TV? I'm asking this because I've read on previous posts about people having trouble finding doctors who will take their insurance provider.

Iwill be a full timer as of January 2015.

Thank you all for your help.