Medicare as primary insurance


Q. I am 59 years old, and will be eligible for Medicare as of May 1 because of a disability. At present I am covered under my husband’s insurance through FEHBP (my husband is now deceased). Do I need to enroll in Medicare Part B, and if I do, then does my health insurance change? Will I become Medicare Primary and what FEHBP offers as a supplement or can I continue to keep my existing plan?

A. It’s up to you to decide whether to enroll in Medicare Part B and pay the required premiums. If you do, Medicare Part B will be primary for you and FEHB coverage secondary. It won’t have any other affect on FEHB benefits or premiums.


About Author

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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