Premium-free Medicare


Q. Do I qualify for premium-free Medicare? I retired in 2005 at age 55 under CSRS, with 35 years of service.

A. Since Jan. 1, 1983, all federal employees have had Medicare deductions taken from their pay. Therefore, you are entitled to Medicare Part A at no additional cost. You are also eligible for Medicare Part B, for which you’d have to pay the premiums if you want that coverage.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. I retired in 2005 at age 55 with 34 years of service. I see you say I am entitled to Part A Medicare but Part B I must get a plan I guess that’s a supplemental Plan? Is that cheaper than my regular health plan which is through the Post Office? Does that include prescriptions? dental? eye glasses? Do I need supplemental plans for all of these separate? What about Medicare Part C and Part D? All this is confusing to me. I’m just wondering what most Postal workers in my situation are doing. I don’t want to be penalized. I am working part time retail but that’s just spending money. I probably will never have enough credits or points with social security and I don’t intend on working forever. I have some friends who found it was too complicated and just continued with the Postal Medical plans they originally had before age 65. I don’t know if they will be penalized and neither do they. I don’t want to be penalized. Please suggest to me the best way to go. I’d like decent health care as well so I’d like to hear your suggestion.

Leave A Reply