@willie0027 yes i am just like you but i can't get Medicare untill 2 years disability which is in May. But i have been talking to a lot of people including The social workers at Mayo Phoenix where i got my transplant. Right now i have Blue Cross Blue shield federal plan and this last March when i turned 60 i got Tricare Prime as a secondary. So i did have to retire when i got the transplant and was able to keep my BCBS from my prior work but paying my regular co-payment each month which i was very Happy covered the transplant and 1 year of follow up for only about 10,000 out of pocket which for a bill close to a million whs pretty good. My issue now is i would like to switch to medicare asap since then for me i also get Tricare for life which according to a few people i have talked to will be perfect and ill save the 600.00 a month for Blue Cross. I will still hafe to pay the normal copay for part b but that will be a lot less. I think its about 130 a month at the moment. Btw also after the first year my copay for BCBS went to out of network for the drs at mayo and this year so far has cost me over 20000 that's for just 1 long 5 week hospital stay ant 2 short ones less than a week each. So im told by Mayo that Medicare will be better than blue cross for most things and having tricare will cover almost all the copays. I hope that helps. One other thing in my conversation with Mayo they did say that there are some i guess there called supplement plans that are better than others so they told me when yhe time comes lets sit down and discuss what would be best for you. That was before they knew about Tricare for life. Right now i have tricare prime which helps a little but not very much having Blue Cross as primary. But when i get the for life plan works very well with Medicare. I should mention tho that Tricare is a military Veteran and dependents plan only. So if your not retired military or you spouse than i would talk to the Mayo Social workers and find out what they recommend. Good luck and i will be available to answer any questions i can.