Reduce health coverage?


Q. I have the standard option federal Blue Cross/Blue Shield. I will be 65 this year and will sign up for Medicare Part B. Should I reduce my federal coverage to the basic option?

A. Only you can answer that question. You’ll need to compare the benefits in each Federal Employees Health Benefits option with what Medicare provides and how the two interact. Since you know both your current level of health and what you anticipate (or fear) may happen in the future, you are in a better position than anyone else to decide which is the better choice.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. where do i find that comparison ? please provide weblink that compares basic and standard BCBS in conjunction with Medicare A & B

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