In your particular situation what most people (that I have talked to ) do, is to switch their FEHP to the lowest level of coverage . For ex if you are BCBS Standard you would switch to Basic. The BIG difference with the basic plan is that you would not be eligible for mail order prescriptions but you do have coverage as good as Part D Medicare. But as you said Medicare would be primary and your basic BCBS should cover the vast majority of deductibles and copays. AS far as enrolling in Part B..thats a tough one but again most people do for the penalty is pretty big if you dont and then for what ever reason need to at a later time. I have no idea of you income level but it becomes more of a question if you are in the penalty income bracket for medicare part B and charged more.
It all comes down to personal choice and what you can afford. Also you may be healtly today but 2-5-10 years down the road....crap shoot.
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