Healthcare After 65

Federal Employee Health Benefits (FEHB) and Medicare work together to form a crucial piece of your retirement benefits puzzle. Both are designed to help cover your healthcare costs and needs. In the past Federal Employees have often been misinformed on the complexities of how FEHB and Medicare work together. You will want to use both systems to create an efficient health care plan for your specific health care needs. Therefore, it is vitally important to speak with a representative that understands FEHB and Medicare to help guide you to the best option. You can always talk to a United Benefits Medicare Specialist about your options by completing the form.

Medicare Part A & B

Medicare Part A automatically starts at age 65 and becomes primary after you are retired. Medicare Part A is prepaid before 65 through your taxes, and there is no additional cost. Medicare Part B is medical insurance coverage and comes with a premium. Medicare Part B along with Part A will serve as the primary payer, and FEHB would act as the secondary insurance payer. Deciding to enroll in Medicare Part B will depend on your specific situation.

There is a coordination of benefits between Medicare and FEHB, so the FEHB policy acts as supplemental coverage to Medicare Part A. If you are enrolled in Medicare Part B and FEHB, Medicare Part B would serve as the primary payer, and FEHB would act as the secondary insurance payer.

Medicare Advantage

If you decide you’d like coverage beyond Medicare Part A, Medicare Part B, and FEHB, there are also Medicare Advantage plans. These plans come with a monthly premium which can be as low as $0 – meaning you can receive additional coverage at no cost to you. Here are a few benefits that could be covered under a Medicare Advantage plan:

• Dental, Vision & Hearing
• Non-emergency Health Care Transportation
• Memberships to Gyms or Wellness Programs
• Home Improvement Projects Designed for Aging in Place
• Over-the-Counter Products
• Part B Premium Reductions
• Healthy Meals Following an Inpatient Hospital Stay

You can always get in touch with United Benefits Medicare Specialists for a free one-on-one review of your healthcare benefits.

We do not offer every plan available in your area. Please contact medicare.gov or 1-800-MEDICARE to get information on all your options.