We are in good health and we don't have any medical issues.
Should I just apply for the basic medicare, or the advance coverage which is more expensive?
I understand that when I apply for medicare, the medicare becomes my primary and the blue cross/blue shield will be the secondary medical coverage.
I just want to make sure that I spend my retirement money wisely.
Any experience retirees out there that can assist with this issue?
I read this article in FEDSMITH today. I have to make the same decision soon. But if you are in relatively good heath, and pay for FEHB (BCBC/ GEHA, etc) and pay for Part B when FEHB generally only will cover about 20% of your medical cost at full premium cost? It really seems like you are paying double for about 100% of coverage rather than paying half for 80% of coverage. Which you were doing your entire career anyway?