Medicare and continued spousal coverage


Q. I am 58 years old and plan to retire in the next few years. My husband turned 65 this year and plans to retire in the next year. We are covered under Federal Employees Health Benefits. Should my husband be taken off my medical plan to reduce my contribution? How will this affect his Medicare coverage?

A. Most experts recommend that retirees continue their coverage under the FEHB program when they become eligible for Medicare. That’s because the combination of FEHB and Medicare Part A reduce out-of-pocket expenses to a minimum. Part B is another story. Depending on an enrollee’s health, the benefits received may not be worth the cost.


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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