Q. I have the standard option federal Blue Cross/Blue Shield. I will be 65 this year and will sign up for Medicare Part B. Should I reduce my federal coverage to the basic option?
A. Only you can answer that question. You’ll need to compare the benefits in each Federal Employees Health Benefits option with what Medicare provides and how the two interact. Since you know both your current level of health and what you anticipate (or fear) may happen in the future, you are in a better position than anyone else to decide which is the better choice.