FEHB & Medicare Coordination
Healthcare is one of the largest expenses in retirement. Navigate the complex intersection of FEHB and Medicare to maintain excellent coverage while controlling costs.
Healthcare Coordination Analysis
We help you understand how FEHB and Medicare work together, when to enroll in each program, and how to optimize your coverage without paying more than necessary.
Part B Enrollment Guidance
Should you enroll in Medicare Part B at 65? The answer depends on your specific situation. We analyze the pros, cons, and potential penalties to help you make an informed decision.
FEHB vs Medicare Advantage
Can you drop FEHB for Medicare Advantage? Should you? We explain the trade-offs, including the risk of losing FEHB permanently, so you can make a decision you won't regret.
Premium Cost Modeling
We project your healthcare costs under different scenarios: FEHB only, FEHB with Part B, or Medicare with supplemental coverage. See the true cost of each option before you decide.
Plan Comparison Analysis
FEHB offers dozens of plans. We help you compare coverage, networks, and out-of-pocket costs to find the plan that best fits your healthcare needs and budget.
Enrollment Timeline Planning
Medicare has specific enrollment windows that can't be missed without penalty. We create a timeline for your Medicare decisions so you never miss a critical deadline.
Spouse Coverage Coordination
If your spouse has different coverage or isn't yet Medicare-eligible, coordination becomes more complex. We help you optimize coverage for your entire household.
Healthcare Challenges We Solve
Confusion About Part B Enrollment
Many federal retirees wonder if they need Medicare Part B since they already have FEHB. The late enrollment penalty is permanent, so getting this decision right matters. We explain exactly what Part B does and doesn't add to your coverage.
Fear of Losing FEHB
Once you drop FEHB, you generally can't get it back. Some retirees worry about keeping coverage they don't need, while others fear giving up something irreplaceable. We help you understand the true risks and benefits.
Rising Healthcare Costs
FEHB premiums increase each year, and out-of-pocket costs can be significant. We help you project future healthcare expenses and build them into your retirement budget realistically.
Overwhelmed by Plan Choices
FEHB Open Season presents dozens of plan options. Which plan offers the best value for your situation? We analyze your healthcare usage patterns and recommend plans that fit your needs.
Medicare at 65: What Federal Retirees Must Know
Medicare Part A
Hospital insurance is typically free if you or your spouse paid Medicare taxes for 10+ years. Most federal retirees should enroll at 65 since there's no cost and it provides additional coverage.
Usually: EnrollMedicare Part B
Medical insurance costs $174.70/month or more in 2024. It covers doctor visits and outpatient care. The decision depends on whether the added coverage is worth the premium for your situation.
Depends on SituationMedicare Part D
Prescription drug coverage. Most FEHB plans include drug coverage that's creditable, meaning you can delay Part D without penalty. Check your specific FEHB plan's drug coverage carefully.
Usually: WaitWhy Choose PlanWell for Healthcare Planning
ChFEBC℠ Expertise
FEHB and Medicare coordination requires specialized knowledge. Our Chartered Federal Employee Benefits Consultant designation means we understand the rules that govern your healthcare options.
No Insurance Commissions
We don't sell Medicare supplements, Medicare Advantage plans, or any insurance products. Our recommendations are based solely on what's best for your situation, not what pays us a commission.
Complete Retirement Integration
Healthcare decisions affect your overall retirement budget. We factor coverage costs into your retirement income projections so you know exactly how healthcare fits into your financial plan.
Long-Term Planning Focus
Today's healthcare decision will affect you for decades. We help you think beyond immediate costs to consider long-term implications, including potential future health needs and coverage gaps.
FEHB & Medicare FAQs
Can I keep FEHB in retirement?
Yes, if you were enrolled in FEHB (or covered as a family member) for the 5 years immediately before retirement, you can continue FEHB into retirement. Your premiums will be similar to active employees, though the government contribution percentage stays the same.
Will I be penalized if I don't enroll in Part B at 65?
If you're covered by FEHB, you can delay Part B enrollment without penalty. When you eventually enroll, you'll have a Special Enrollment Period. However, if you drop FEHB and then try to get Part B later, you may face a permanent premium penalty of 10% for each 12-month period you delayed.
How does FEHB work with Medicare?
When you have both FEHB and Medicare, Medicare becomes your primary insurer and FEHB becomes secondary. This typically means lower out-of-pocket costs since Medicare pays first, and FEHB covers much of what Medicare doesn't. Some FEHB plans waive or reduce premiums for those enrolled in Medicare Part B.
Should I switch to Medicare Advantage instead of FEHB?
You can switch, but be very careful. If you drop FEHB for Medicare Advantage and later become dissatisfied, you generally cannot re-enroll in FEHB. Medicare Advantage plans can change networks and benefits each year. For most federal retirees, keeping FEHB is the safer choice.
What happens to my spouse's coverage when I go on Medicare?
Your spouse can remain on your FEHB plan regardless of your Medicare enrollment. If your spouse is not yet 65, they'll continue to have FEHB as their primary coverage. When they turn 65, they'll face the same Medicare decisions you did.
Get Clarity on Healthcare Coverage
Don't guess on decisions that affect your coverage for the rest of your life. Get expert guidance on FEHB and Medicare from federal benefits specialists.