Re: [TSP_Strategy] To take Medicare or not

 

And when you do turn 65 Tricare becomes TFL and you MUST purchase Medicare Part B in order to keep the TFL.  So far so good for me but I'm keeping FEHB for the time being to see how everything works together and if there are cost savings to be had by suspending FEHB.  I also have a specialist concierge doctor I see the allows me into a network of physicians for whenever I travel.  Should I need to be seen for something, he makes the connections and forwards my recent lab tests and history so it cuts through a bunch of unnecessary chatter and tests.  

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From: TSP_Strategy@yahoogroups.com <TSP_Strategy@yahoogroups.com> on behalf of mbaldwin1958 mbaldwin1958@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com>
Sent: Saturday, November 24, 2018 1:41 PM
To: TSP_Strategy@yahoogroups.com
Subject: Re: [TSP_Strategy] To take Medicare or not

 

 

I suspended my FEHB at 60, when I became eligible for Tricare Select. I'll be 61 in January. No Medicare or other supplements. There are no premiums, and the deductibles are 1/2 that of FEHB. Similar to FEHB insurance, preventive care costs nothing and for office visits with network providers, there is a $29 copay  (2019) and for specialists it's $41. Hospital stays will cost you $250 per night, but the out of pocket catastrophic limit is $3000, so your risk is low. I'm saving  $400 every month on premiums and 300 a year on deductibles, plus I pick up our meds for free at the local Air Force Base. This year, I've been to my regular doctor 5 times and seen 3 specialists. Had a colonoscopy, dermatology treatment and seen the urologist. I've had a CT scan due to a bout with Bell's Palsy. With all that, I've paid nothing besides the office visit copays. Next week, I'll be seeinga neurologist about a pinched nerve. Really am happy with just Tricare Select. I just don't see the benefit right now of paying for FEHB. Of course, at age 65 I'll have TFL + Medicare A & B.

Sent via the Samsung GALAXY S® 5, an AT&T 4G LTE smartphone

-------- Original message --------
From: "John Powell JSPowell99@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
Date: 11/24/18 11:40 AM (GMT-06:00)
To: TSP_Strategy@yahoogroups.com
Subject: Re: [TSP_Strategy] To take Medicare or not

 

When I turn 65 I'll be eligible for FEHB insurance, Medicare and Tricare for Life (as long as I pay for Medicare Part B). I'm thinking about suspending my FEHB at that time to see if Medicare Parts A & B and Tricare for Life will cover the bills. Does anyone have experience with that scenario?

--------------------------------------------
On Sat, 11/24/18, del brett bretdelman@msn.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

Subject: Re: [TSP_Strategy] To take Medicare or not
To: "TSP_Strategy@yahoogroups.com" <TSP_Strategy@yahoogroups.com>
Date: Saturday, November 24, 2018, 12:20 PM


 













Yes I think you need to sign up as they charge a penalty if
you don't and what I hear Medicare becomes the primary
and FEHB will pay what they don't pay.



From:
TSP_Strategy@yahoogroups.com
<TSP_Strategy@yahoogroups.com> on behalf of
dilywy@gmail.com [TSP_Strategy]
<TSP_Strategy@yahoogroups.com>

Sent: Saturday, November 24, 2018 3:02 AM

To: TSP_Strategy@yahoogroups.com

Subject: [TSP_Strategy] To take Medicare or
not
 

 



I know this isn't the
format here, but I don't know where else I can ask my
question: I'm retired and turn 65 in January. I'm unsure
about taking Medicare. I would still keep my FEHB if I do
sign up. Any comments
about why you did or didn't? Thank you in advance.















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