How To Maximize FEHB/Medicare

[@KeithStedman]

Really poor advice. Basically they are saying suspend FEHB insurance that is really good health insurance for a cheap advantage plan that is loaded with prior approvals and often a skinny network of providers. What about the married annuitant who has a spouse who needs insurance - didn't even cover, but their preferred strategy leaves the spouse on his/her own. This entire thought process about not needing Part B because you are on a premium FEHB plan is also nonsensical. Didn't know about impact of HSA (basic information) and statement that they can't help compare GEHA to BCBS basic shows a lack of knowledge about the topic.

[@larriveeman]

yep, I went with part A & B with GEHA high ( get 1k back per year) , total cost for medicare + GEHA high is less then BCBS standard with same coverage prior to medicare, to me that's a no brainer

[@RetiredRich]

There is a 4th option but not necessarily recommended for everyone. Especially, FEHB members with families or spouses. Anyway, option 4- Get medicare A, B, D and suppliment plan G. Covered by Medicare no preapprovals, no network. When I priced it it was cheaper than my fehb. I know other retirees that get A, B and select an FEHB available Advantage Plan. You can get the benefits of an advantage plan without leaving FEHB.

[@foxmaiman]

You mentioned you have software to compare plans and cost e. g. FEP Blue Basic and FEP Blue Focus How do U get in touch?

[@carmenanico2786]

With all the fraud and disadvantages of advantage plans I fell uncomfortable with these FEHB advantage plans that are starting to offer