FEHB and Medicare: Should Federal Retirees Add Part B?
Most federal retirees should enroll in Part B. FEHB plans typically improve benefits — reducing copays and waiving deductibles — when Medicare pays first. Active federal employees can delay Part B while still working.
When This Applies
- You are a federal employee turning 65
- You are a federal retiree with FEHB
- You are deciding whether Part B is worth the premium cost
- You want to understand how FEHB coordinates with Medicare
Frequently Asked Questions
- Is FEHB drug coverage creditable?
- Yes. Most FEHB plans provide creditable drug coverage, protecting you from Part D penalties.
- Do I need Part D with FEHB?
- Usually not. FEHB drug coverage is generally creditable and comprehensive. Adding Part D is typically unnecessary.
- Can I suspend FEHB and just use Medicare?
- You can suspend FEHB, but most experts recommend keeping both for the best combined coverage.