Q. I am getting ready to enroll in Medicare. I have GEHA High Option Family Plan and was advised to change to GEHA Low Option Family Plan once I am enrolled in Medicare. I have the High Family Option because my spouse is ill and requires frequent medical attention.

A. The only way to know if that would be a good decision for you and your spouse would be to compare the benefits for each level of GEHA coverage and see how they would mesh with Medicare. If your spouse isn’t covered by Medicare, electing the low option might increase your out-of-pocket expenses.


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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


  1. I’m 74…my wife and myself both have Medicare A & B…. We have GEHA High Option (single plus one) and yes we have some health conditions (Sure!). My question… Should we consider CHANGING to GEHA Standard Option?? Tks.

    • You’ll have to compare what GEHA High Option provides with what Medcare provides and decide if the extra benefits are worth the additional cost.

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