Medicare and FEHB


Q. I am a federal retiree who begins Medicare Part A coverage on Aug. 1. I am not taking Part B coverage, but I will be maintaining my FEHB health plan as a supplement. My question concerns coverage. Does having Medicare as my primary insurance result in my FEHB benefits for in-network providers being reduced? Specifically, if I paid a $20 co-pay in July for an in-network FEHB provider, will I now being paying more out-of-pocket in August for that same provider if Medicare, which does not have a network, is the primary and FEHB is the supplement?

A. Check your plan’s benefits brochure to see how the plan handles it. If you don’t find a clear answer there, call the plan on its toll-free number.


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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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