Was out of the states for 10 years. Retired Federal worker. Kept FEPBlue Std (BCBS) (4) because if you cancel you can't get back in and worked overseas. Got auto-enrolled into Medicare Part D past November Read everything and realized I missed open season and chance to join FEPBlue Basic + Medicare which would save $2200 yearly. Have to use Preferred Providers but that's OK with slight risk(1). But looking at Medicare Advantage program has me wondering why they look so cheap. I must be missing something basic if you can have $0 premium and still make a profit. What's the benefit? OPM won't contribute to Medicare Advantage so I'm puzzled. Makes no sense and I have to evaluate because they now allow you to suspend (2) your FEHB (3) to try Med Advantage. Help!
1, The slight risk on a preferred provider is that (example) if you have a non-emergency operation and one of the Docs ( say an Anesthesiologist) isn't preferred you are open for personal charges,
2, It isn't clear what the requirements are for suspension.
3. Federal Employee Health Benefits
4. FEP = Federal Employee Plan, Blue = Blue Cross Blue Shield
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