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Many Feds enroll in Medicare at age 65, suspend their FEHB(BCBS) plan (to save money since they are healthy) and choose a $0 premium Medicare Advantage plan. Each year they then have an option to go back to their FEHB(BCBS) (and terminate Medicare and or their Medicare Advantage plan). But Feds who DO NOT get Part B at age 65 and later want it will face the LATE PART B PENALTY! | Sylvia Gordon
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