Medicare Part B


Q. My family and I are covered by the federal BCBS program through my federal position. My wife who is older will be 65, ( I am 57) in a couple of months and has just filed for Medicare A coverage. I asked the local BCBS rep for our agency when and whether she would need to file for the Medicare part B. The BCBS rep said when I retire she would need to file then for Medicare B coverage. My question is, would having and paying for Medicare B with the BCBS policy be redundant coverage? Your elaboration would be appreciated as I would not want to waste money nor be exposed to a risk that wasn’t covered.
A. There would be redundant coverage since isn’t much in Medicare Part B that isn’t covered by BCBS. You’ll need to compare the benefit schedules from the two plans to see whether there is any benefit that would be produced by the combined coverage that would not be produced by BCBS and Medicare Part A, alone, that would make it worth it to pay the Part B premium.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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