Health insurance coverage in retirement


Q. I understand that when you retire, Medicare is your primary and federal insurance is your secondary. Will federal insurance still pay for prescription drugs even if you do not have a plan under Medicare?

A. Medicare becomes primary only if you are retired and age 65. Your FEHB and Medicare coordinate benefits. Because your FEHB covers prescription drugs and Medicare doesn’t, your FEHB plan will pay those costs to the extent provided in the plan’s brochure.


About Author

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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