Re: [TSPStrategy] Off Topic . . . Looking for info on keeping FE health insurance vs going onto Medicare

The thing that made me stay with FEHB and Medicare (my husband is getting Medicare now, me in 2 years) was the ability to choose.  I've heard it's not always so easy to go from one supplement or advantage plan to another to cover that 20% extra.  We can do it pretty easily each year if we're unhappy.

On Nov 14, 2022, at 11:36 AM, barry6591 <barry6591@gmail.com> wrote:



Check out Tammy Flanagan's articles on the web. I actually paid them to help me with the analysis. It involves calculating premiums vs total out of pocket. There are break even points depending on what you anticipate needing. Also depends on which providers you have and if they take Medicare. Some plans (bcbs basic) offer incentive if you have Medicare b and that plan.

The Medicare B cost is about $160 per month or much more, depending on salary. 

We have somewhat great options compared to many others but the complexity is a uniquely US monstrosity. (Yes, editorial comment is necessary!)

On Mon, Nov 14, 2022, 2:27 PM Bill Steele Sr. via groups.io <bill_steele_sr=yahoo.com@groups.io> wrote:

Hi,

I'll retire soon from The Fed Gov too, and I've asked the same question numerous times- seeking many answers to be sure I make the right decision. The consensuses is anyone lucky enough to be able to bring private insurance into retirement- with their employer still paying a large chunk, should hang onto it with both hands. Medicare Part A is free. Part B is about $180 per month and doesn't cover drugs or much else. If you want to get the same coverage offered by your federal insurance (BC/BS?) you have to get a private plan that groups together all of the other Medicare Parts to include drugs, etc. That per-month premium equals or exceeds your share of what you'll pay for your Federal insurance... and your federal insurance, if you have a good plan is 100 times better than anything offered by Medicare. Others are more knowledgeable than I am but I think that I've given you the important general facts.

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