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FEHB and Medicare

Summary: If you have Federal Employee Health Benefits (FEHB), you may be wondering how your FEHB plan works with Medicare. In this article, we’ll review how FEHB plans coordinate benefits with Medicare. We’ll also cover some considerations you should make when it comes to FEHB and retirement. Estimated Read Time: 10 min

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Table of Contents:

  1. What is FEHB
  2. Federal Employee Health Benefits and Medicare
  3. How Does Medicare and FEHB Coordinate Benefits?
  4. FEHB and Medicare Part A
  5. FEHB and Medicare Part B
  6. FEHB and Medicare Part D
  7. Suspending FEHB for Supplemental Medicare Coverage
  8. FEHB Coverage After Retirement
  9. Best FEHB Plan for Retirees on Medicare
  10. Mail Handlers Insurance and Medicare
  11. How to Get Help Understanding Your Options with FEHB and Medicare

If you are covered by Federal Employee Health Benefits and become eligible for Medicare, you probably have questions regarding which coverage to take or if you can have both. Below, we review all possible scenarios for those on FEHB and Medicare. Thus, ensuring you have a clear understanding of how the two coverage types work together.

What is FEHB

The Federal Employees Health Benefits Program, or FEHB, is the world’s largest employer-sponsored group health insurance program. This coverage is for federal workers and retirees, as well as their families and spouses. Through the FEHB, federal employees (retired or currently employed) can choose to enroll in a variety of health insurance plans.

Individuals who enroll in a health insurance plan through the FEHB program receive a government contribution to their plan costs and can have their coverage continue into retirement. Additionally, those participating in the FEHB program can also change their coverage annually during the Federal Benefits Open Season (occurs in November and December).

Since FEHB plan coverage can carry into retirement, you may be wondering: what happens when I become eligible for Medicare if I have coverage through the FEHB program? Below, we’ll take a closer look at your options regarding coverage and some considerations to make before making any changes.

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Federal Employee Health Benefits and Medicare

Like Medicare, FEHB includes coverage for inpatient and outpatient services. So retired, former, and active federal employees who are eligible for both programs – as well as those who are eligible for FEHB through their current or former spouse – often wonder if they can have both Medicare and FEHB at the same time.

The short answer is yes. Enrolling in Medicare when you turn 65 will not cause you to lose or be disenrolled from your FEHB plan.

Depending on your individual needs, it may make sense to:

  • Keep your FEHB plan and forego Medicare coverage
  • Keep your FEHB plan and only enroll in Medicare Part A
  • Keep your FEHB plan and enroll in both Medicare Part A and Medicare Part B
  • Suspend your FEHB and enroll in Medicare then get a Medicare Advantage plan
  • Terminate your FEHB and enroll in Original Medicare with a Medicare Supplement plan

Although most people who are eligible for Medicare and FEHB won’t need a Medicare Supplement or Medicare Part D plan, the truth is that FEHB can be expensive. Thus, these beneficiaries often ask if there’s a way to coordinate their coverage that will also minimize their out-of-pocket costs.

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How Does Medicare and FEHB Coordinate Benefits?

For those on FEHB and enrolling in Medicare, it is important to know that Medicare will always pay secondary to FEHB while you or your spouse are still employed. Although the coverage may look similar, often you will find that Medicare offers more extensive coverage for things like durable medical equipment, home health care, and prosthetic devices – to name a few.

You will have 30 days prior to your Medicare eligibility date to change your current FEHB plan. This enrollment opportunity can only be used once, and you can change to any plan that is currently available. If you’re planning to retire, you may consider switching to a lower cost plan or one that waives some out-of-pocket costs when Medicare is the primary payer.

Once you retire, Medicare will become your primary payer and your FEHB plan will become the secondary payer. Your FEHB plan premium will not change when Medicare becomes your primary payer. During retirement, you will still have the opportunity to change your FEHB plan during the annual Federal Benefits Open Season.

FEHB and Medicare Part A

Individuals who are enrolled in a plan through the FEHB Program can benefit from enrolling in Medicare Part A as soon as they become eligible. If you or your spouse have paid Medicare taxes for 40 or more quarters, you will be eligible for Medicare Part A with a $0 premium.

Generally, it is recommended that those who are eligible for premium-free Medicare Part A enroll in the coverage, even if they are still working and have a FEHB plan. While you are working, your Medicare Part A will pay secondary to your FEHB plan and may help cover some of the costs that your FEHB plan doesn’t cover.

For example, some Federal Employee Health Benefits plans may not cover or only partially cover home health care. If you needed home health care services, and your plan doesn’t cover these services, they would then be billed to Medicare and Medicare Part A would cover eligible services.

FEHB and Medicare Part B

If you are enrolled in a Federal Employee Health Benefits plan and are wondering if you should enroll in Medicare Part B, there’s a few things you should consider.

For Medicare Part B outpatient coverage, you’ll need to pay a monthly premium – no matter how many quarters you paid Medicare taxes. Additionally, you’ll still have to pay the monthly premium for your FEHB plan. Because of this, some people delay enrolling in Medicare Part B until they retire.

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Is FEHB considered creditable coverage by Medicare? It’s important to understand whether Medicare considers FEHB plans as creditable coverage when determining whether you will incur a Part B penalty if you delay coverage.

  • If you (or your spouse if you’re covered under their FEHB plan) are still employed: Medicare considers your FEHB plan as creditable coverage and you will not incur a Medicare Part B late enrollment penalty if you delay enrolling in Part B until you retire.
  • If you (or your spouse if you’re covered under their FEHB plan) are retired: Your FEHB coverage is no longer considered creditable. You will need to enroll in Medicare Part B within 8 months of your employment ending, otherwise you could face a penalty if you sign up for Part B later.

When deciding whether to pick up Medicare Part B, calculate what you’d pay in Medicare Part B premiums for the year (higher-income earners are responsible for larger premiums). Then, calculate your best estimate for the dollar amount you’d need to pay in copayments for outpatient services on FEHB.

If you find that you would pay more in premiums, you’ll indeed save money by delaying Medicare Part B. However, if your copays on FEHB in an average year are higher than your would-be Medicare Part B premiums, you should consider enrolling in Medicare Part B. Remember, if you enroll in Medicare Part A and Part B while you’re still working, Medicare will be your secondary coverage while FEHB acts as your primary insurance.

You may also consider enrolling in Medicare Part B alongside your FEHB plan round out your coverage. For example, your FEHB plan may have limited coverage for prosthetic devices, durable medical equipment, and some medical supplies, which are generally covered by Medicare Part B.

FEHB and Medicare Part D

When you have FEHB, it is generally not necessary to enroll in Medicare Part D. All Federal Employee Health Benefits Program plans include prescription drug coverage that is comparable to Medicare Part D prescription drug coverage.

You may still choose to enroll in a Medicare Part D plan and keep your FEHB plan. In this circumstance, your Medicare Part D will pay first (in most cases). You can contact your Part D plan provider to double check how they will coordinate coverage with your FEHB plan.

This means that FEHB plans are considered creditable drug coverage. So, if you decide you want to enroll in a Medicare Part D plan down the road, you will not be subject to a late enrollment penalty. In the event that you lose or terminate your Federal Employee Health Benefits, you will have two full months after your coverage ends to enroll in Medicare drug coverage without incurring a penalty.

Suspending FEHB for Supplemental Medicare Coverage

If you have Original Medicare and FEHB but want to supplement your coverage further, there’s a few things you should know.

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If you have FEHB and want a Medicare Advantage plan:

If you have a FEHB plan with Original Medicare and decide you want to enroll in a Medicare Advantage plan, you’ll need to suspend your FEHB coverage. Suspending FEHB is not the same as cancelling.

When you suspect your FEHB coverage, you will no longer be responsible for paying your FEHB plan premium. You may choose to re-enroll in the FEHB program later if you choose to drop your Medicare Advantage plan. If you choose to return to your FEHB plan, you can do so during the Federal Health Open Season.

Your Medicare Advantage plan will become your primary payer. Remember, you need both Medicare Part A and Medicare Part B to enroll in a Medicare Advantage plan. Since FEHB plans include drug coverage, you’ll want to ensure your Medicare Advantage plan also includes drug coverage so you don’t end up without coverage for medications.

If you have FEHB and want a Medicare Supplement plan:

Generally, you do not need to enroll in Medicare Supplement plan if you have Medicare and a FEHB plan. Your FEHB plan will coordinate benefits with Medicare to provide comprehensive coverage. If you decide you would like to get a Medicare Supplement plan (Medigap) in addition to Medicare Part A and Medicare Part B, you will be required to terminate your FEHB.

If you choose a Medigap plan to go with your Medicare Part A and Part B coverage, you should also look for a Medicare Part D plan to cover prescription drugs, as a lack of creditable drug coverage will leave you vulnerable to a penalty.

Whether you are terminating or suspending your FEHB coverage, you will want to contact the U.S. Office of Personnel Management or your retirement office.

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FEHB Coverage After Retirement

Generally, you must have FEHB coverage for at least five continuous years prior to retiring for your benefits to carry over into retirement. Though it’s never mandatory to take Medicare, there are some considerations you should make if you have FEHB coverage and are retiring.

While you (or your spouse) are actively employed, your Federal Employee Health Benefits are considered creditable coverage by Medicare. This means you can delay your Medicare Part B without incurring a Part B late enrollment penalty. However, once you or your spouse retire, your FEHB coverage will no longer be considered creditable coverage.

You will be granted a Special Enrollment Period that will allow you up to 63 days to enroll in Medicare Part B. If you choose to enroll in Medicare Part B after this Special Enrollment Period ends, your monthly premium could be higher due to the late enrollment penalty.

Like we mentioned above, you are not required to enroll in Medicare, but if you do, you should do so as soon as you are eligible.

As long as you keep FEHB, whether you’re retired or still working, your prescription drug coverage is sufficient, and you’ll avoid the late enrollment penalty for Medicare Part D.

Best FEHB Plan for Retirees on Medicare

There are over 200 FEHB plans to choose from when electing coverage. With that being said, the most utilized FEHB plan carriers include Blue Cross Blue Shield, Aetna, and the GEHA. When choosing a FEHB plan in retirement, there’s a few things you should keep in mind:

  • If you have Medicare and are retired, you may consider a FEHB plan with lower costs
  • You can change your plan annually during the Open Season (November 15th to December 31st)
  • Some FEHB plans provide coverage for services Medicare doesn’t cover, such as dental
  • Some FEHB plans waive deductibles, copayments, and coinsurance when Medicare is your primary payer

Mail Handlers Insurance and Medicare

The Mail Handlers Benefit Plan (MHBP) has been serving federal and postal employees for over 50 years. Aetna administers the MHBP, whose plan options include Self Only, Self Plus One, and Self and Family – similar to FEHB.

MHBP will coordinate your benefits with Medicare once you enroll. Just like FEHB, your MHBP will be your primary coverage while still employed and Medicare will be secondary. Once you retire, Medicare will become the primary insurance and your Mail Handlers Benefit Plan will pay secondary.

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Your MHBP will provide creditable prescription drug coverage and will help cover many of the out-of-pocket costs left behind by Medicare (when Medicare is your primary coverage).

How to Get Help Understanding Your Options with FEHB and Medicare

Are you enrolled in the Federal Employee Health Benefits Program and have questions about Medicare? Unsure if you should keep your FEHB plan or suspend it for a Medicare Advantage plan? Give us a call at the number above. Our team of licensed insurance agents can help answer your questions and explain your options when it comes to Medicare plans.

You can also begin exploring Medicare plan options in your area by filling out our online rate form. Our online rate form is 100% free to use, with no obligation to enroll in any of the plans you view.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Coordination of Medicare and FEHB Benefits, U.S. Office of Personnel Management. Accessed March 2024.
    https://www.opm.gov/healthcare-insurance/healthcare/medicare/coordination-of-medicare-and-fehb-benefits/
  2. How Part D Works with Other Insurance, Medicare.gov. Accessed March 2024.
    https://www.medicare.gov/drug-coverage-part-d/how-part-d-works-with-other-insurance
  3. Medicare and the Plan, MHBP. Accessed March 2024.
    https://mhbp.com/medicare-and-the-plan/
David Haass

David Haass

David Haass is the Chief Technology Officer and Co-Founder of Elite Insurance Partners and MedicareFAQ.com. He is a member and regular contributor to Forbes Finance Council and stay up-to-date with the latest Medicare trends and changes. He holds a Bachelor of Science in Business Administration and Management from the University of Florida.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

61 thoughts on "FEHB and Medicare"

  1. I have bc/bs federal I’m retired postal employee. If I drop this and try an advantage plan. Can I re enroll in bc/bs if I don’t like the advantage plan

    1. Hello Bill,

      If you have FEHB coverage and wish to try a Medicare Advantage plan, you’ll need to suspend your coverage. This is different than cancelling as you can reenroll in your FEHB coverage should you decide that a Medicare Advantage plan isn’t the best option for your healthcare.

  2. I am a retired federal employee with FEHB insurance. My spouse is under my insurance, and he is still working in private industry. He turns 65 in February. If he doesn’t enroll in Medicare and waits until he retires, will he be penalized, or is he allowed to enroll under the Special Enrollment Period? Thank you.

    1. Hi Connie! As long as your spouse has creditable coverage, he will not be penalized for delaying Medicare benefits. However, I do recommend enrolling in Medicare Part A. Medicare Part A has a $0 monthly premium for qualified individuals and will help cover the cost of hospital stays and inpatient care.

    1. Hi Sharon, many folks who are in your shoes have the same question when it comes to FEHB and Medicare Part B. Ultimately, the decision is in your court. Medicare Part B is not necessary, however, if you decide to enroll in coverage later down the road, you will be required to pay the Part B penalty for each year you went without Part B coverage. I recommend comparing the benefits of your FEHB plan and Medicare Part B (with a Medigap or Medicare Advantage plan) and decide which option works best for your specific needs.

  3. I have NALC Cigna CDHP through FEHP health insurance with the post office, I’ll be turning 65 yrs this July 2022 do l have to apply for Medicare Part B or is my health insurance is enough coverage.

  4. Turning 65 in 2022. I am retiring from government service. Why do you keep saying FEHB is not creditable coverage under Medicare? The way it looks to me we just need to keep our BCBS and just enroll in part A. We should be saving in retirement not spending more money on healthcare insurance.

    1. If you are actively working and on FEHB, you can delay your part B. Once you retire, FEHB no longer serves as credible coverage. After retirement you must enroll in Part B to avoid the penalty. If you wish to keep your FEHB and only enroll in Part A, you can do so, however you will face a penalty if you decide to enroll in Part B in the future.

  5. Is it possible to have medicate bcbs fehb and another option for younger spouse? Or do I have to choose only one?

    1. Jeff, there should not be an issue adding secondary insurance, however you will want to be sure the two coverages work with one another. I recommend speaking with your FEHB plan administrator for clarification.

  6. I will retire from Federal Service soon, and I also have a VA service-connected disability, so I can see doctors in a VA facility. Would it be wise to drop FEHB (wife will need to enroll in Medicare A&B plus an Advantage plan) and not get Medicare part B?

    1. John, this is a tough decision to make. Your specific circumstances will be the deciding factor for which coverage best fits your needs. I recommend completing our online rate form and speaking with a licensed agent to help review your options.

  7. I am retiring next year. I have MHBP standard and medicare part A&B.
    I am receiving information on the aetna advantage plan being offered by gov’t.
    Not sure if I am giving up the MHBP in order to get the Aetna advantage plan? If not then will I be paying for 3 plans? MHBP,Aetna advantage and Medicare?

    1. Hi David – Medicare Advantage stands in for Medicare Parts A and B. However, you will likely still need to pay your Part B premium in addition to the premium that comes with your Advantage plan, if applicable.

  8. Here is my question from Nov 19.2021
    I am a retired federal employee under the old Civil Service Pension Plan. I get minimal social security as I have over 40 quarters SS before going to work for the government. My net SS check is such that I don’t pay full amount for part B, so each year a COL is issued it is applied against my Part B premium. With that said, if I change to Medicare Advantage, will they apply the part B reduction cost to the Part Be premium or will I get that benefit in full?

    Reply

    1. Hi Norma – when you have a Medicare Advantage plan, you still must pay your Part B premium. Nothing should change in regards to your Part B premium unless you happen to enroll in an Advantage plan with a give back feature.

  9. On 11/19/2021 I posted a question regarding Part B medicare payments. It has been removed without a reply. Can you pull it back please and give me a reply. Thank you

    1. Hi Norma – I have looked through our removed comments and cannot find yours. We apologize for the inconvenience. Can you please restate your question?

  10. I am a retired federal employee under the old Civil Service Pension Plan. I get minimal social security as I have over 40 quarters SS before going to work for the government. My net SS check is such that I don’t pay full amount for part B, so each year a COL is issued it is applied against my Part B premium. With that said, if I change to Medicare Advantage, will they apply the part B reduction cost to the Part Be premium or will I get that benefit in full?

    1. Norma, The Medicare Part B reduction benefit is different through each carrier. Some will give the full amount and others will give you a partial return for your Part b premium. This is dependent upon what plans are available in your area.

  11. I am turning 65 in August of 2022. I currently have BC/BS under FEHBA. If I elect to take Medicare part B and I go to a doctor that doesn’t take Medicare can I still get full coverage under my BC/BS plan?

    1. Hi Tina, in this case, Medicare is primary. If you choose to go to a non-participating doctor, based on the coordination of benefits, the claim must be filled with the primary payer (Medicare) and then the secondary (FEHB). This means you could be responsible for 100% of the cost.

      1. Hi Donna – this is in the case of the provider not accepting Medicare. If the provider doeesn’t accept your insurance, you could be responsible for paying the full amount.

      2. Actually, we have this situation with our long-time family physician. He “opted out” of Medicare. Annually we file a copy of his Opt-Out letter with our FEHB insurance carrier (for us it’s been MailHandlers Benefit Plan/Aetna). If MHBP has a copy of the physician’s opt-out letter on file they assume primary responsibility and pay coverage per their plan for any services from this physician.

  12. I am a federal retiree. My husband and I have both Medicare Part A and Part B as well as the highest option of BC/BS PPO which is now costing us over $600 a month. We pay nothing out of pocket for doctor visits, tests etc would we be better to reduce our coverage to BC/BS PPO other plan?
    I feel we are over insured

    1. Hi Jo Ann, if you both have Parts A and B, you do not need to be paying that much for additional coverage. You can drop your PPO and pick up a Medicare Supplement or Advantage plan for extra coverage.

  13. I am currently enrolled in Medi care A and B plus FEHB retired in 2010 . I keep getting letters from Medicare advantage stating that it is better then FEHB , I currently pay no out of pocket for any medical bills I incur. Is Medicare advantage a better deal?

    1. Hi Lucille! I would not say Medicare Advantage is better than FEHB. It would really depend on your location since Advantage plans vary from county to county. If you’re happy with your current FEHB, I would stick with them.

  14. Iam a retired federal employee with FEHB BCBS coverage. Iam paying a late penalty on my part B. Why is my insurance not creditable under medicare, and have there been efforts in Congress to address t his rule .

    1. Hi Don. You’re paying a penalty because FEHB is not considered creditable coverage. The coverage is not considered as good as Medicare coverage. At this time, there is no action in place from Congress to change this rule.

      1. I am a retired federal employee that has Medicare Parts A and B. I also have a FEHB plan, Blue Cross Blue Shield Standard option. Should I change to the lower cost Blue Cross Blue Shield Basic option? Thank you for your assistance.

      2. Tim, the right plan for you really depends on what your individual needs are. If you would like to speak with a licensed agent to review which coverage option is best for you, complete our online rate form.

  15. Can a retired military / federal employee keep all 3 insurances: FEHB, Tricare for life, and Medicare (part A & B) simultaneously?

    1. Hi Tabatha! No, you cannot keep all three. You either have FEHB + Medicare OR TRICARE for Life + Medicare.

  16. Just turned 65 on Saturday, my wife is 9-years younger. I am two years in with the government, and plan to get my five years, for FEHB in retirement. You think this is a good plan. My wife can retire early and be covered by FEHB. I have friends say it not worth it. Looking for your input.

    1. Hi John! FEHB + Medicare has a coordination of benefits that work really well with another. It pretty much leaves you with no out-of-pocket costs.

  17. I am retired from the Postal Service with FEHB! I am turning 65 soon and have received material for medicare A and B. Am I automatically required to take medicare? Is it better and would I continue to have both! Is it beneficial to pay another 200 hundred a month for part B? Will I eventually be forced to take part B even though my FEHB are supposed to be for the rest of my life??

    1. Hi Michael! You are not required to enroll in Medicare, but it’s recommended. FEHB is not considered creditable coverage under Part B if you’re not working, thus resulting in late enrollment penalties when you do enroll later. In addition, FEHB & Medicare have a coordination of benefits. The combination gives you great coverage.

      1. So if my husband is a retired letter carrier age 70 and has FEHB but no Medicare B if he would now decide to suspend FEHB and take Medicare B he would pay a 50% penalty per month for the rest of his life?

      2. Hi Marianne. Yes, that is the case since FEHB is not considered creditable coverage. The only way he could have the penalty removed is if he qualified for Medicaid due to being considered low-income.

  18. My son has been on federal disability retirement and social security disability retirement and has been and still is covered through the NALC insurance under the FEHB. After two years he became eligible for Medicare A and B which he took as FEHB is not considered credible coverage. He is now losing his SSDI because he got a job and is making over $1300 per month; however, he will keep his federal disability as he will not make over 80% of the pay of the job he used to have. Medicare allows those previously on SSDI to keep Medicare A and B for 93 months, paying only for Part B; after that he would have to pay for A and B. Now that he will be off SSDI my question is: Is he required to keep paying for Part B for the rest of his life in order to avoid the Part B penalty when he takes Medicare at 65 or if he goes back on social security,

    1. Hi Lynda, great question! Any penalties your son acquires between now and when he turns 65 will reset. When he ages into Medicare at 65, he will have no penalties. They will start to incur again if he delays enrolling after he turns 65.

  19. I am getting mixed and confusing answers from Medicare customer service. I am retired and continue to have my FEHB Blue Cross Blue Shield coverage through OPM. My wife has always been and will continue to be covered by my FEHB BCBS insurance. She is now retiring. She will enroll for Medicare A, but it is my understanding that since she will continue to be covered by my FEHB BCBS, she will not need to apply for Medicare Part B. Is this correct?

    1. Your wife is not required to enroll in Part B, however, FEHB is NOT considered creditable coverage under Medicare. This means, if your wife does not enroll in Part B as soon as she is eligible, she will have to pay a penalty the rest of her life when she does enroll later.

  20. Lindsay – inquiring for my Mom who has both Medicare and MHBP coverages. A number of years ago around 2013 when Mom had to receive PT from a SNF Medicare was her primary provider and MHBP was secondary and her treatment extended beyond the 100% Medicare covered initial 20 days, the co-pay amount for days 21+ had been covered by MHBP. Unfortunately Mom has had another incident requiring SNF PT and I being told that MHBP no longer will cover the co-pay if her PT extends beyond the 20 Medicare covered days since Medicare is her primary coverage. Was there a change to the MHBP coverage of co-pays when Medicare is primary? Thank you

    1. Hi Kevin! I don’t see any changes to the benefits, on page 14 you can see changes for 2021. It states that SNF is only covered for 40 days if MHBP is primary, but that is not a recent change. But that doesn’t mean it hasn’t changed since 2013. I would contact MHBP directly to find out what your options are.

  21. I am a federal employee under FERS, age 62, planning to retire next year. My wife, covered under my FEHB plan, turns 65 later this year. Should she apply for Part A and/or Part B this year even though I am still working and we are covered by FEHB?

    1. Hi Mike! Since Part A is premium-free, your wife should enroll. Regarding Part B, I would ask your benefits administrator to see if your wife is exempt from the late enrollment penalty since you are still working. I’m not sure how it works if the husband is still working but the wife is not. Normally, if you’re retired, you would need to enroll in Part B when you’re first eligible to avoid paying a late enrollment penalty later.

  22. My BCBS Federal Employees Program will not be accepted come January 2021 at my hospital and most doctors. What should I do? Locate and sign up for a new insurance plan by December 14th?

  23. I am turning 65 in Jan 2021. My wife is 61. If I have Medicare Part A and B, I understand that my FEHB will become secondary coverage for me. Will the same FEHB insurance remain primary coverage for my wife?

    1. Hi David! Unfortunately, we have no way of knowing how many retirees are currently covered under FEHB. Regarding premiums, they vary from state to state. According to FedSmith, the average monthly premium in Alaska for a family plan is around $400.

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