Medicare Part B


Q. I recently turned 65 and signed up for Medicare Part B. I am still working. When I go to a doctor’s office and tell them I have both Part B and Blue Cross high option, what will Part B pay for? I continue to receive notices from Blue Cross telling me how much I owe the doctor with no indication that Part B has paid anything.  I thought that Part B was supposed to pay the doctor the co-pay that Blue Cross doesn’t pay.

A. While you are working, Blue Cross-Blue Shield will be primary and Medicare secondary. The notices you receive report what BC-BS has paid. Later on you’ll receive notices from Medicare telling you what they have paid. In most cases, you won’t owe anything.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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