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Fehb is available to active employees and certain fers/csrs retirees In this article, we look at how each type of medicare insurance can work with fehb. To keep your fehb in retirement, you’ll need to meet two conditions

Enrolled in fehb for the last 5 years, including your last day Because federal workers can continue receiving these benefits after they retire, many older adults with fehb may wonder if they should still enroll in medicare Medicare is available when you turn 65 years old.

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.

Chris kowalik examines the two parts of medicare that retiring federal employees should be most concerned about, the pros and cons of having both fehb and medicare in retirement, plus three different fehb and medicare combinations — and their advantages and disadvantages Combining fehb and medicare can create a robust safety net Medicare often becomes the primary payer once you enroll, with your fehb plan acting as secondary coverage As an active or retired federal employee, you may be covered by both the federal employees health benefits (fehb) program and medicare

Learn how these two coverages work together to meet your healthcare needs while you’re working and in retirement. This guide explains how fehb pairs with medicare for workers and retirees, when to take part b, how 2025 costs change, and whether medicare advantage or medigap makes sense—plus real cost examples Many federal employees and retirees wonder how their federal employee health benefits (fehb) coverage coordinates with medicare at age 65. By having both fehb and medicare part b, individuals can enjoy comprehensive healthcare coverage, including services that might not be fully covered by one program.

Understanding how federal employees health benefits (fehb) and medicare work together can prevent costly mistakes and ensure seamless coverage

Unfortunately, confusion often surrounds whether to enroll in medicare, how it interacts with fehb, and how to bridge the gap if retiring before medicare eligibility.

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