Creditable coverage through FEHB


Q. I have heard that after retirement, I can continue my Federal Employees Health Benefits coverage (as a retiree from the Environmental Protection Agency) and defer signing up for Medicare Part B (if in the future I decide to enroll in Medicare) with no late Medicare penalty because FEHB is counted as creditable coverage. Is this correct? If so, it runs counter to the advice that I received from EPA, which was to enroll in Part B to avoid later penalties, and to retain FEHB as well.

A. The advice you received from EPA is correct.


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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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