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Medicare Part B or BCBS?

My husband works at a DOD-funded research lab (private university) so his benefits are great. At retirement his benefits will include lifetime health care coverage for a nominal annual premium.

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I'm 57 and already retired due to a permanent disability, and receive SSDI. As my need for durable medical equipment (DME) increases - more mobility aids, a scooter now, motorized wheelchair in the future - am I better off switching to Medicare Part B before age 62?

I just assumed I should stay on our BCBS HMO plan, but now I wonder as there doesn't seem to be as much coverage for the things I need that are expensive, like putting in a ramp :(

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Gold Post Medal for All Time! 677 Posts
September 13, 20170 found this helpful

As long as he is still working, you should stay on his plan. You don't have to switch to Medicare until you are 65. Medicare will be your first plan, and his will be secondary.

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Whatever Medicare doesn't pay his plan will. If his plan is better, which it seems it is, stay with it as long as you can.

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