Re: [TSPStrategy] Mixed reactions to Medicare Part D in the FEHB

I would check with a Blue Cross rep. I always thought no need for D but not positive.  Your IRMAA would take place if you were enrolled in Part B.  Good Luck 

On Monday, August 5, 2024 at 02:08:35 AM EDT, <don@meares.us> wrote:

FEP Blue's (Standard) brochure does not list a cost to the MPDP.  Is there one?  The brochure notes that there is a $2,000 limit to out of pocket drug expenses.

As far as I can tell FEP Blue also doesn't calculate annual costs of the various Tiers of drugs.  It looks like we have at least one Tier 4 specialty, maybe two.  So calculating annual drug costs is nearly impossible for us as our medical condition (in our 70's) changes quickly.  I do have $5,700 in my accounting system noted for out of pocket prescription drug expenses.  

So based on what little information I have it would seem I could potentially save as much as (5700-2000=$3,700).

But what does IRMAA do to me and does it make any difference if I go with MPDP or not?  Our income varies very widely one year to the next and now I am worried.