Benefits/drawbacks of Medicare Part B


Q. I will retire under CSRS and will maintain my FEHB insurance and Medicare Part A. What are the advantage and disadvantages of obtaining Medicare Part B?

A. The disadvantage is that you have to pay the premiums for Medicare Part B. The advantage is that it works with your FEHB coverage to reduce your out-of-pocket costs for medical, clinical lab service, home health care, outpatient hospital service and blood. You’ll have to review what the two plans offer and see where they overlap, reinforce each other or fill gaps.


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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