Q. I am a federal employee and have Blue Cross/Blue Shield as my health insurance. I will be 65 in January. What do I need to do for Medicare? Do I have to buy extra care for that?

A. You are entitled to Medicare Part A coverage at no cost to yourself. You’ve already paid for that benefit through payroll deductions. Medicare Part B is a different story. If you want that coverage, you’ll have to pay the monthly premiums for it.


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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

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