Not Electing Medicare Part B to Cover Health Premiums

View this article online at and visit to sign up for free news updates
By on May 15, 2014 in Q&A with 0 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.

Agencies can request to have John Grobe, or another of Federal Career Experts' qualified instructors, deliver a retirement or transition seminar to their employees. FCE instructors are not financial advisers and will not sell or recommend financial products to class participants. Agency Benefits Officers can contact John Grobe at [email protected] to discuss schedules and costs.

© 2019 John Grobe. All rights reserved. This article may not be reproduced without express written consent from John Grobe.


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.