Medicare vs. Kaiser and spouse coverage


Q. I retired from government almost eight years ago. I have had Kaiser health insurance all this time. I am about to turn 65. I have to do something with Medicare sign-up, so I spent time with my health plan provider (Kaiser Perm) the other day and the person we talked to wasn’t sure my wife would continue on my plan should I go with them for part B or their Senior Advantage plan. I told the rep I was sure she would, but the Kaiser rep said I needed to check with the government. My wife is five years younger than me. If I go with Kaiser for part A and B, will my wife be carried on the plan, too?

A. As long as you are enrolled in the self-and-family option of your Federal Employees Health Benefits plan, nothing can prevent your wife from receiving all of the benefits it provides to non-Medicare covered members.


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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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