Medigap for retirees


Q. I am 65 and signed up for Medicare Parts A and B. I also continued my BCBS standard option health coverage after reading the FEBH/Medicare brochure.

I believe it is recommended that I continue the BCBS coverage. I received an email regarding the open season and am very confused as to whether I should continue the BCBS standard option or switch to a Medicare Supplement plan. Looking at the open season email and some of the links, I think I need to consider some Medicare Supplements. I think I would have to suspend my health benefits if I were to enroll in a Medicare Supplement plan. I am just not certain that would be best thing to do. Any guidance would be greatly appreciated.

A. No, you don’t need to purchase a Medigap policy, since FEHB and Medicare will coordinate benefits to provide comprehensive coverage for a wide range of medical expenses. Further, because you are a retiree, if you dropped your FEHB coverage, you wouldn’t be able to re-enroll.


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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