Q. If a federal employee is enrolled in governmentwide Blue Cross, is over 65 and will enroll in Medicare Part B when she retires, is there an advantage to leaving Federal Employees Health Benefits on retirement and purchasing a medigap plan to supplement the coverage of Medicare Part B or even leaving FEHB before retirement and enrolling in Part B and a medigap plan?
Is there much of chance that FEHB plans such as Blue Cross will experience a great increase in premiums in coming years due to Obamacare?
A. I can think of no reason for dropping coverage in the FEHB. Nor can I think of any cost-effective substitute for it. While no one can predict how FEHB premiums will increase, the Office of Personnel Management has done an outstanding job of reining them in since the program began. Nearly every year, the overall increases in FEHB premiums have been less than those experienced by the health insurance sector as a whole.