Medicare vs Health Insurance?

I will be 65 and have applied for Medicare. I retired early, but am unsure if I will still have coverage by BSBC which was the insurance carried by my former employer.


Do I need to get another private insurance?

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April 30, 20180 found this helpful

You would have to ask your employer. Where I work, once I hit 65, if I am still working, Medicare is the primary for just the hospital. My employer's insurance is primary for the doctors. Once I retire, Medicare is primary for everything. As long as I pay the premiums, which are greatly reduced, I can still keep my employer's insurance.

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May 4, 20180 found this helpful

Medicare A&B are great but they will only cover 80% of your doctor's charges (A covers all covered hospital charges).


  • Medicare A is free but Medicare B has a monthly premium (2018 $134 month) and this does not cover prescriptions. There are other Medicare programs available (D) for prescriptions but BCBS usually has a much better coverage.
  • If you still have your BCBS policy then you can talk with someone (be sure they are VERY knowledgeable about BCBS insurance and Medicare) or you can contact your local BCBS (this is usually best).
  • Their offices have people who are very familiar with this coverage and can explain how to keep your BCBS along with your Medicare and your BCBS premium will be greatly reduced.
  • You should try to find out about this coverage as soon as possible so that you will not pass any "deadline" dates for making changes.

BCBS is a private insurance company.

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May 17, 20180 found this helpful

Medicare can be pretty limited which is why lots of people opt to buy into some form of supplemental insurance or other


if you can affird BCBS probably best to keep that

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