Q. My question concerns what happens when I turn 65. I am 63; what happens with my Civil Service health benefits? I have been told to keep these benefits and not go on Medicare. Is that still true? I would get better coverage with my Civil Service. I am single and would not be eligible on a spouse’s plan, etc., and do not have Social Security benefits.
A. You should continue your enrollment in the Federal Employees Health Benefits program. And you should enroll in Medicare Part A because you already paid for it through payroll deductions. As for Medicare Part B, that’s a personal choice based on your current and anticipated health needs. Since you have to pay premiums for that coverage, it’s worthwhile doing a financial analysis to see if you’d be better off with or without it.