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I have signed up (though not effective until 2014) for Plan B after much thought. I will keep my BCBS (Standard plan) as it really covers a lot. It amazing to see the expressions on the faces of local pharmacy customers when my prescriptions (not all of them, for sure) cost less that $1. An $8,000 visit to an ER resulted in a cost to me of zero.

Thanks for the response. I too did a lot of research, including luckily, having some friends who have already faced this. I went through the last 12 months co-pays (my BCBS basic option has no deductibles) and found that they were cheaper than the Part B premium would be, by several hundred dollars. Just Friday I sent in my "Thanks, but no thanks" Part B card. We'll see. If it turns out I've made a horrible miscalculation I can fix it later.

You might want to take a look at the BCBS basic option during the upcoming FEHB open season. The premiums are certainly lower than those for standard option, but I don't know how well it would work for your particular situation. It looks to me like it pays all of your Medicare deductibles and co-pays when you have Medicare Parts A and B. Drug coverage is no difference for either BCBS option regardless of what you do about Medicare.

How in the world do old people without their wits about them deal with all this?

Rule Your Retirement Home Fool
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