About Author

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


  1. I am a CSRS annuitant who has had “high” option Blue Cross/Blue Shield insurance for several years. I will attain age 65 in 03/2016 and just recently applied for Medicare online. I realize that my BC/BS monthly premiums will not be adjusted downwards even though Medicare will be primary. My question is this…..I am wondering if it would be advisable to elect “standard” BC/BC instead of “high” option? It would save me a considerable amount of monies each month that I could apply towards my Medicare Part B premium I want to keep the “high” option for 01/2016 and 02/2016 until Medicare starts eff. 03/2016.

    • You are asking for an opinion, which I’m unable to give you. What I can tell you is that most BC/BS-covered retirees I’ve talked to have elected to move to (or stay in) the standard option.

Leave A Reply