Hello,
When I retired from the Houston VA, in Aug2017 (think Hurricane Harvey), I had Standard Option (which is Hi option really) MHBP and Medicare A. I picked up Part B a few months after retirement. The deal there is I have to use Medicare (AB) as primary but MHBP picks up all coinsurance, copays, and deductibles. They won't do this with the Consumer Option.
If I wanted to use a non-medicare doc, which I have never found necessary, that would be no problem. I would just have to pay the 15% above MC allowable for that service after MHBP pays. There is a law that limits providers to this amount if they accept any FEHB payment at all. When you chat up these things with your FEHB rep, they can give you information which you can use to enlighten provider's billing agents, many of whom are painfully ignorant.
I pay $156/mo for MHBP and $148/mo for MC/B. I have a lot of medical expenses, but these docs and nurses are keeping me walkin, and talkin, and independent. I just love walking out of the doctor's office and not having any costs at all--just "have a good day Mr Morrison!"
I am retired, have Medicare A and B, and MHBP Consumer Option. If you are considering this option, please call MHBP to verify they do reimburse Medicare Part B premiums.
I pay MHBP $366 for self and family (young ex-wife and children under 26 yo). MHBP does reimburse up to $200 per month ($2400/yr of my medical expenses). The $2400 can not be used for my ex-wife or children's medical expenses.
I still have money in the HSA that MHBP funded with part of my monthly premiums (prior to electing Medicare Pat B) to use for my own or ex-wife or children's medical expenses, but MHBP does not add any money to the account. The balance does decrease by $5/month due to an administrative fee.
It is my understanding that MHBP will pay whatever expenses Medicare does not pay, but I have not had any medical expenses yet (other than Medicare Part B premiums, which MHBP did fully reimburse).
-------- Original message --------
From: Mark Morrison <mark3m@swbell.net>
Date: 6/14/21 07:00 (GMT+08:00)
To: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] Trickiest Retirement Decision
If I wanted to use a non-medicare doc, which I have never found necessary, that would be no problem. I would just have to pay the 15% above MC allowable for that service after MHBP pays. There is a law that limits providers to this amount if they accept any FEHB payment at all. When you chat up these things with your FEHB rep, they can give you information which you can use to enlighten provider's billing agents, many of whom are painfully ignorant.
I pay $156/mo for MHBP and $148/mo for MC/B. I have a lot of medical expenses, but these docs and nurses are keeping me walkin, and talkin, and independent. I just love walking out of the doctor's office and not having any costs at all--just "have a good day Mr Morrison!"
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