Not Electing Medicare Part B to Cover Health Premiums

By on May 15, 2014 in Q&A with 12 Comments

Q: I am receiving health benefits under my wife’s Federal Blue Cross/Blue Shield plan. I did not elect part B at age 65 seven years ago. My logic was, and is, that the premiums saved by not electing part B would cover the co-pay. So far, that logic has worked fairly well. I suppose it will depend on my health over the remainder of my life. I realize I haved rolled the dice. What do you think?

A: I agree with your assessment.

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About the Author

John Grobe is President of Federal Career Experts, a consulting firm that specializes in federal retirement and career transition issues. He is also affiliated with TSP Safety Net. John retired from federal service after 25 years of progressively more responsible human resources positions. He is the author of Understanding the Federal Retirement Systems and Career Transition: A Guide for Federal Employees, both published by the Federal Management Institute. Federal Career Experts provides pre-retirement seminars for a wide variety of federal agencies.