Q. My husband will be 64 years old in a couple of weeks. He is CSRS. I have health insurance under my husband’s coverage. We are concerned because we do not know what will happen to me once he goes under Medicare because of his age. Also, what will happen to my insurance coverage after he retires in a couple of years? Will I lose my coverage once Medicare takes over? Also, if I still qualify for health insurance, will it be at a more expensive price?
A. Unless your husband cancels his FEHB enrollment, the two of you will continue to be covered by it both before and after he retires. Unless he works for the U.S. Postal Service, the cost for that coverage will be the same as it was while he was an employee. The fact that he will be covered by Medicare Part A at no cost to himself only means that his out-of-pocket cost for certain covered benefits will be reduced. While he could enroll in Medicare Part B, he would have to pay the additional premiums for that benefit. Unless he has special medical needs, the National Association for Active and Retired Federal Employees generally recommends that federal retirees not sign up for Part B.