What Federal Annuitants Need to Know About the FEHB Program and Medicare Part A or Parts A and B

Obviously, if Medicare covers you, the rankings in our regular cost comparisons do not apply, since Medicare is "primary" for annuitants and will pay most expenses. Therefore, we present tables for single persons and couples with either both Parts A and B of Medicare, or Part A only. Since couples can choose either self plus one or family enrollments, we provide comparisons for both. Although these tables are presented in terms of preferred providers, it is important to understand that the main advantage of preferred providers, guaranteed low rates, is available once you reach age 65 from almost any doctor you might use, whether you have Medicare Part B or not. The Guide presents a comparison for couples in which one spouse does not have Medicare and the other has both Parts A and B. Each comparison considers:

  • Premium costs for the FEHB plan and, in the "both Part A and B" tables, for Medicare Part B (Part A has no premium for Federal annuitants who retired after 1983);
  • Each plan's coverage for services, such as prescription drugs and dental care, that are not covered by Medicare Parts A and B; and
  • Elimination of all or most hospital and medical cost-sharing offered by many plans for Medicare Part A and B enrollees.