My Opinion, if your husband is very sick and requires a lot of medical services and medications, you should definitely go with both Fed BCBS and Medicare Part B. Without Part B, you will have significant out of pocket expenses. With Part B, you will not have to pay the 15-20% nor any co-pays and if you go to the doctor a lot, these really add up. With Part B, all you will have to pay is your monthly premiums for both
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