FEHB and Medicare Parts B, D


Q: I am a Civil Service Retirement System annuitant who will turn 65 soon. I have a Federal Employees Health Benefits plan. Must I sign up for Medicare Part B and/or Part D? What are the consequences if I don’t? Will my FEHB plan continue to cover my health care costs if I don’t sign up for Medicare? I have signed up for Part A because I paid for it over my working career.

A: No, you don’t have to sign up for Medicare Part B or Part D. Whether you should is a decision you’ll have to make. Your plan brochure has information about how benefits will be paid. Look for the following headings: “When you are age 65 or over and do not have Medicare,” and “When you have the Original Medicare Plan (Part A, B or both).” As for Part D, very few employees covered by an FEHB plan would have anything to gain by enrolling in it.


About Author

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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