Medicare supplement plan


Q. I am a retired postal worker covered by Blue Cross/Blue Shield federal employee program. I am also on Medicare. My wife just received her Medicare card. She is 65. I need your help in making a decision: Do I keep the health insurance I have, or do I apply for Medicare supplement plan?

A. You are asking for an opinion, which I can’t give. All I can tell you is that the combination of a Federal Employees Health Benefits plan and Medicare reduces out-of-pocket costs to a minimum. You’ll have to compare the costs and benefits of your current FEHB plan with those provided by a Medicare supplement plan and reach your own decision. Note: If you were to cancel your FEHB coverage, you wouldn’t be able to re-enroll if you were displeased with your Medicare supplement plan or you lost that coverage.


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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