Originally Posted by Walt34
That's it. I've always understood that the BCBS plan becomes "secondary" to Medicare at 65 but I don't yet know the details of how that works. Others who have crossed that threshold haven't mentioned anything about it being a big deal so I don't anticipate any issues.
Walt, not trying to alarm you here, but I have Medicare, a supplemental plan (private Plan F), and Part D (drug plan). A piece of advice is don't wait too long after turning 65 to understand your options. There are timelines involved and you should understand what they are. I would call BCBS and see what they consider coverage for charges Medicare won't cover and also what drugs who or which plan covers. You may find a better way to cover costs Medicare doesn't cover with a supplemental plan instead of BCBS.
If BCBS covers part after Medicare pays their part, find out the details. You can get supplemental plans that cover everything including, all deductibles, excess charges, out of area and no network, etc. Hospital deductible under medicare is almost $1200, and that's NOT annually.
Lots of doctors are not taking Medicare anymore and we have had some issues with my wife's illness finding doctors that will accept Medicare after her doctor left the program. Remember, Medicare is the first payer
and the secondary one only pays what Medicare doesn't. This is complicated, take my advice and get smart about it in advance of turning 65 (if you already aren't doing that).