Advice on Medicare Part B
I need some advice on Medicare Part B. I’ve been on Medicare since 2023 due to ESRD (dialysis and then transplant). I’m within my 36 month coordination period between my private insurance and Medicare until 5/2027.
The only reason I picked up Part B was because of the clause in there where if you weren’t on Part B at the time of transplant too, your immunosuppressants wouldn’t be covered by Part B when you get to the age Medicare covers you. This will be roughly 20 years or more in the future for me.
Medicare Part B has not done one single thing for me since picking it up. All of my Drs visits, meds, etc. Are all under my private insurance. I know there’s some kind of switch the last six months where Medicare becomes primary instead of secondary before it drops out completely - however. And this is a big however - I’ve recently been cut free from the transplant center and sent back to my regular neph. My health history is stable, and boring. I’ve had no complications and am on a schedule of visiting my neph every six months now, same schedule with labs.
I simply can’t keep up on payments to Part B when I’m getting nothing from it, it’s expensive, and the money I’m spending could be better spent paying for my meds straight out if my insurance doesn’t pick them up the last six months of the coordinating period.
Is there something I’m overlooking before dropping Part B and retaining Part A until 5/27? Thanks for any and all advice.