Medicare and federal health plans


Q: My husband is retired and receives a pension and Social Security retirement. He is enrolled in the NALC Health Benefit Plan. He turns 65 in June. I understand that he will automatically be enrolled in Medicare because he receives Social Security benefits. Can he keep his federal health care plan with NALC instead of Part B? I am still working but am covered on his FEHB plan. If he is enrolled in Medicare Part B how will that affect my health insurance?

A: Your husband will automatically be enrolled in Medicare Part A at no cost to himself. He can continue his enrollment in his FEHB plan and has the option of enrolling in Medicare Part B at his own expense. Whether he does or doesn’t do that, because you aren’t enrolled in Medicare, his FEHB plan will continue to pay your medical expenses in the same way it has in the past.


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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

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