Q. I am under the FEHB insurance coverage. When I turn 65, do I automatically go under Medicare and is Medicare my secondary and FEHB my primary until I retire?

A. You will automatically be enrolled in Medicare parts A & B. While you are still working, your FEHB coverage will be primary and Medicare secondary. After you retire, the reverse will be true. Note: You can postpone your Part B enrollment and avoid the premium cost until you retire.


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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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