FEHB vs. Medicare Part B


Q. At age 65, I sign up for Medicare Part A because it is free and I keep my Federal Employees Health Benefits but decline Medicare Part B. Does that mean my FEHB will pay out benefits as usual as if employed, or will FEHB pay benefits as if I had Medicare Part B? If so, that means I will be paying premiums on FEHB, which provides less coverage than when I was younger and working and not eligible for Medicare.

A. Your FEHB plan will be paying benefits as if you had elected to be covered by Medicare Part B. You need to check with your plan to see how that coverage would be modified.


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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 fedexperts@federaltimes.com.

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