Q. I am a retired postal worker covered by Blue Cross/Blue Shield federal employee program. I am also on Medicare. My wife just received her Medicare card. She is 65. I need your help in making a decision: Do I keep the health insurance I have, or do I apply for Medicare supplement plan?
A. You are asking for an opinion, which I can’t give. All I can tell you is that the combination of a Federal Employees Health Benefits plan and Medicare reduces out-of-pocket costs to a minimum. You’ll have to compare the costs and benefits of your current FEHB plan with those provided by a Medicare supplement plan and reach your own decision. Note: If you were to cancel your FEHB coverage, you wouldn’t be able to re-enroll if you were displeased with your Medicare supplement plan or you lost that coverage.