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If you are a federal employee who is turning 65 and becoming eligible for Medicare, you might be wondering what options you have during this time. The first thing to consider if you have The Federal Employees Health Benefits (FEHB) Program is if you are going to take Medicare or not. It is important to note that your FEHB coverage will continue regardless of your decision.
Most Federal employees and annuitants are entitled to Medicare Part A at age 65 without cost. If you are able to enroll in Part A without paying premiums, it is a good idea to enroll in Part A as it will work with your FEHB Program. Everyone is charged a premium monthly for Medicare Part B coverage. The Social Security Administration can offer benefit and premium information. It is best to review your plan coverage and the Medicare part B coverage to decide if it makes sense for you to purchase Medicare Part B alongside Part A.
If you do enroll in Medicare, benefits will be coordinated between Medicare and your FEHB plan. You will not pay any less premiums for your FEHB plan if you enroll in Medicare. For more information regarding your FEHB Program plan and how it works with Medicare, call 1-800-MEDICAR or visit the following website:
In most cases, you will keep your FEHB Program plan and enroll in Medicare Part A. There is no reason to obtain a Medicare Supplement (medigap) policy in most cases, as your FEHB plan and Part A will coordinate to cover most services you will need.