Q. My husband is a federal retiree, 69 and on Medicare and federal Blue Cross/Blue Shield. I begin Medicare on March 1. Will our BC/BS premium drop because it then only covers 20 percent? It’s like $500 monthly. Is it wise and cost effective to keep it, or should we look for a BC/BS supplement in Virginia?
A. There is no difference in the premiums for employees and retirees, whether or not they are covered by Medicare. If you want to switch to a lower-cost plan or pick a supplement, you’ll first need to compare both the costs and the benefits.