Primary and secondary insurance in retirement


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.


About Author

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

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