Q. I saw your Web site and am wondering if you might be able to clear up some confusion. My 85-year old mother-in-law receives a pension from the Postal Service, and has health insurance through the Postal Service. She is a retiree. My understanding is that Medicare is her secondary payer. Do you know if the Postal Service health insurance requires that Medicare be the secondary payer, or if she can choose? This is crucial, because she has had a stroke and needs to be in a rehab facility. She is unable to answer many of the questions her children need to know in order to help her with the benefits.
A. Because she is retired and covered by Medicare, Medicare is the primary payer and the Federal Employees Health Benefits plan she is enrolled in is secondary.