There is a 4th option but not necessarily recommended for everyone. Especially, FEHB members with families or spouses. Anyway, option 4- Get medicare A, B, D and suppliment plan G. Covered by Medicare no preapprovals, no network. When I priced it it was cheaper than my fehb. I know other retirees that get A, B and select an FEHB available Advantage Plan. You can get the benefits of an advantage plan without leaving FEHB.

Really poor advice. Basically they are saying suspend FEHB insurance that is really good health insurance for a cheap advantage plan that is loaded with prior approvals and often a skinny network of providers. What about the married annuitant who has a spouse who needs insurance - didn't even cover, but their preferred strategy leaves the spouse on his/her own. This entire thought process about not needing Part B because you are on a premium FEHB plan is also nonsensical. Didn't know about impact of HSA (basic information) and statement that they can't help compare GEHA to BCBS basic shows a lack of knowledge about the topic.

I'm sticking with my FEHB plan.

You mentioned you have software to compare plans and cost e. g. FEP Blue Basic and FEP Blue Focus How do U get in touch?