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Consumer's Checkbook( publishes a yearly guide to the options available under the federal civilian employee plans offers extensive guidance to the costs of these plans with or without Medicare after 65. For plan year 2013 average total medical costs(co-pays, deductible, insurance, Medicare B withholding, etc.) to a single annuitant under BC-basic with Medicare A and B is $3960. Dropping Medicare B reduces the average yearly cost to $3350, a savings of $610 per year if you can keep all your medical use to inhouse Blue Cross network suppliers. Another possible problem besides out-of-network costs is a major change in Obamacare rules affecting Medicare and federal employee health insurance.

I recommend that you purchase the yearly guide for its analysis of all these and many more aspects of this choice and many other issues dealing with the federal employee's and annuitant health plans.

Incidently, when I reach 65, I plan to drop Medicare B, an keep Geha-Std and Medicare A.
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