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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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Fedgrrl  
#1 Posted : Monday, December 2, 2019 2:14:51 AM(UTC)

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Is anyone in this forum getting Medicare Part A & B, Tricare for Life, plus FEHB? I'm not sure it's overkill since I've heard long waits for specialists on TFL.

The annual deductible for all Medicare Part B beneficiaries is $198 in 2020. My monthly Part B bill is 289.20.

Thinking about switching from DC Kaiser HMO to BC/BS basic because they cover Part B premiums and I can use it overseas.

Would appreciate others' viewpoint/experience. Thanks in advance.
MATMAN14  
#2 Posted : Monday, December 2, 2019 6:01:43 PM(UTC)

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One year away from Medicare but starting my research. Was going to suspend my BC/BS FEHP and go Medicare A, B and TFL. Have been asking all my doctors whether they will accept it. So far, they say yes. If getting specialists is too hard. I can restart my BC/BS. Not sure about TFL, can you ‘suspend’ or get out of it if you find it doesn't work for you?
Citrine  
#3 Posted : Monday, December 2, 2019 7:16:00 PM(UTC)
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tricare pays last, so I don't think there is a benefit to "get out of it". if you don't like TFL, just ignore it.


frankgonzalez  
#4 Posted : Tuesday, December 3, 2019 5:21:50 AM(UTC)
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Originally Posted by: MATMAN14 Go to Quoted Post
One year away from Medicare but starting my research. Was going to suspend my BC/BS FEHP and go Medicare A, B and TFL. Have been asking all my doctors whether they will accept it. So far, they say yes. If getting specialists is too hard. I can restart my BC/BS. Not sure about TFL, can you ‘suspend’ or get out of it if you find it doesn't work for you?
TFL cost you nothing if you have medicare parts A and B (or at least the Tricare part is $0). Tricare is always last payer (unless you have a very specific Tricare supplement plan), so no matter what you decide, you will have TFL if you meet the prerequisites of Medicare A&B.

You should have voted Cthulu...the greatest of all Evils
thanks 1 user thanked frankgonzalez for this useful post.
Fedgrrl on 12/8/2019(UTC)
icanzz  
#5 Posted : Wednesday, May 13, 2020 9:43:45 AM(UTC)
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Medicare pays first. TFL pays last. TFL aslo pays your medicare copay. TFL pays your cost share of hospital stays. TFL you pay low to $0 for meds.

TFL monthly cost $0 For yourself.

Spouse not entitled/eligible for Medicare will remain on Tricare.

Tricare Prime for single (1 person) spouse cost is $25 per month.

In my case...in a couple months my Tricare will drop from $50 a month for myself and wife to $25 per month to cover her.

I will begin paying roughly $160 a month for Part B.

At first glance it would appear my medical cost are going up. But it depends on how much I use/need healthcare services.

Example: if I needed to be hospitalized for any length of time, Medicare pays 80% and TFL will pay my 20% cost share which add can up to $$$.

Even doctor/out patient care copays current $30 per visit with Tricare Prime or whatever it will for medicare will be paid by TFL. This could easily make up for the $160 monthly increase for my Part B.

NOTE: I can't speak to FEHB, I declined FEHB from day 1 of FED Career.

Edited by user Sunday, May 17, 2020 5:17:19 AM(UTC)  | Reason: add note

MATMAN14  
#6 Posted : Thursday, May 14, 2020 1:57:23 AM(UTC)

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Icanzz, thanks so much for info.!, Appreciate it.
someoldguy  
#7 Posted : Thursday, May 14, 2020 11:36:39 AM(UTC)
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Originally Posted by: icanzz Go to Quoted Post
Medicare pays first. TFL pays last. TRL aslo pays your medicare copay. TRL pays your cost share of hospital stays. TFL you pay low to $0 for meds.
What is TRL? Is that like TFL except it has an R instead of an F?

DISCLAIMER: You read it on an open internet forum :)
icanzz  
#8 Posted : Thursday, May 14, 2020 1:19:27 PM(UTC)
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Originally Posted by: someoldguy Go to Quoted Post
Originally Posted by: icanzz Go to Quoted Post
Medicare pays first. TFL pays last. TRL aslo pays your medicare copay. TRL pays your cost share of hospital stays. TFL you pay low to $0 for meds.
What is TRL? Is that like TFL except it has an R instead of an F?



Typo fixed
thanks 1 user thanked icanzz for this useful post.
someoldguy on 5/14/2020(UTC)
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