Q. I am in the GS, age 64. I hit seven years overseas and am on the Priority Placement Program to return to the U.S. Instead, I plan to stay overseas and marry a local national. My options are to retire at 13 years’ service or to resign and take a Non-Appropriated Fund job on base to continue earning FERS coverage. I understand that next year I must enroll in Medicare Part A, although I will be overseas and unable to use it. Is there any benefit to me also enrolling in Part B if I plan to retire overseas? I have the Foreign Service Benefit Plan.
It appears that I am going to be undercovered either way unless I am still able to work on base as NAF and access the U.S. hospital where Medicare coverage would be primary. Do you have any advice on how to retire overseas regarding health care benefits? It seems there is no good answer, and yet I know many people who are not military retirees making the decision to stay overseas after their tours end.
A. As a rule, Medicare doesn’t cover health care while you are outside the United States (including Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands). Therefore, if you need care covered by Medicare, you will have to return to the U.S. to have Medicare pay for those services.