Standard vs. basic health insurance


Q. I am a retired federal employee, 63 years old with Blue Cross/Blue Shield standard option health insurance. When I start receiving Medicare in two years, should I keep the standard option or switch to basic option Blue Cross? What are the pros and cons of each when combined with Medicare?

A. You are asking for an opinion, which I can’t give. You’ll have to compare the benefits of the two plan options with Medicare to see which makes the best sense for you.


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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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