Primary and secondary insurance in retirement

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Q. I am a retired federal employee with current BC/BS FEP Code 112 health insurance and Medicare parts A and B. Which is considered primary, and which secondary? Should I expect service providers to submit claims to both?

A. Because you are retired, Medicare is primary and your BC/BS plan secondary. Yes, you should expect your providers to submit claims to both.

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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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