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Medicare and Health Care


*This is a non-medical board. This site shall not be used to seek professional, medical or legal consultation.

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age person with End-Stage Renal Disease (ESRD). There are many different parts to Medicare; with all of these options, it can be confusing.

This forum will allow members to share their experience with medicare and seek advice* on certain medicare-related situations.

To read today's top news stories on federal employee pay, benefits, retirement, job rights and other workplace issues visit FederalDaily.com.

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Leon44  
#1 Posted : Wednesday, August 28, 2019 5:25:52 AM(UTC)

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My wife will be eligible for medicare coverage in 3 month's. However, I will not be eligible for medicare for another 2.5 years. Currently we are both covered under my FEHB BCBS basic plan. I know Medicare A is free so she will take that. Is it wise for her to take medicare B & D as well to avoid future penalties? Should I drop her from my Self + 1 BCBS plan and go to single coverage? Is medicare A, B & D coverage comparable or as good as BCBS Basic? If I drop her from my FEHB plan can I put her back on later when I become eligilble for medicare in a few years?

I don't know the best way to handle this and don't want to screw up with the clock ticking on Medicare. Any advice would be appreciated!!

Thanks!!

Leon
teeeeej  
#2 Posted : Wednesday, August 28, 2019 10:33:13 AM(UTC)
teeeeej

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Originally Posted by: Leon44 Go to Quoted Post
My wife will be eligible for medicare coverage in 3 month's. However, I will not be eligible for medicare for another 2.5 years. Currently we are both covered under my FEHB BCBS basic plan. I know Medicare A is free so she will take that. Is it wise for her to take medicare B & D as well to avoid future penalties? Should I drop her from my Self + 1 BCBS plan and go to single coverage? Is medicare A, B & D coverage comparable or as good as BCBS Basic? If I drop her from my FEHB plan can I put her back on later when I become eligilble for medicare in a few years?

I don't know the best way to handle this and don't want to screw up with the clock ticking on Medicare. Any advice would be appreciated!!

Thanks!!

Leon


That's a great question. I would ask in the benefits Q&A sub-forum.

HoosierDaddy  
#3 Posted : Wednesday, August 28, 2019 2:17:30 PM(UTC)

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Originally Posted by: Leon44 Go to Quoted Post
My wife will be eligible for medicare coverage in 3 month's. However, I will not be eligible for medicare for another 2.5 years. Currently we are both covered under my FEHB BCBS basic plan. I know Medicare A is free so she will take that. Is it wise for her to take medicare B & D as well to avoid future penalties? Should I drop her from my Self + 1 BCBS plan and go to single coverage? Is medicare A, B & D coverage comparable or as good as BCBS Basic? If I drop her from my FEHB plan can I put her back on later when I become eligible for medicare in a few years?

I don't know the best way to handle this and don't want to screw up with the clock ticking on Medicare. Any advice would be appreciated!!

Thanks!!

Leon


It depends. I was in a similar situation. I was still working when My wife became eligible. Part a was free so she got that but waited until I retired before she got part b. There was no penalty since she signed up within 8 months of my retirement. Since my retirement the only out of pocket costs for my wife have been for prescription co pays and those are a lot less because since she has part b she can use the mail order pharmacy. Also Blue Cross basic pays $600 a year toward part b premiums when you sign up for their reimbursement account. My wife has a lot of health problems so for us it was a easy decision.
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