#comparefehbplans #fehbandmedicare #fehbrates As a federal employee, there are rules to consider for your Federal Employee Heath Benefit or FEHB. In this video we discuss employment timing, spousal continuance and costs. We also discuss Medicare and now that work with you FEHB.

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The Federal Employees Health Benefits (FEHB) program and Medicare are two important health insurance options available to federal employees and retirees. Understanding how these programs work together is crucial for making informed decisions about health coverage.

FEHB is a group health insurance program for federal employees, retirees and their dependents. It offers a variety of plans and options, including fee-for-service plans, health maintenance organizations (HMOs), and preferred provider organizations (PPOs). Participants in the program pay premiums and co-pays for services received.

Medicare, on the other hand, is a federal health insurance program for people who are 65 or older, as well as those with certain disabilities and chronic conditions. It is divided into four parts: A, B, C, and D. Part A covers hospital stays, while Part B covers outpatient services. Part C is also known as Medicare Advantage, and offers an alternative to traditional Medicare. Part D is a prescription drug benefit.

If you are a federal employee or retiree who is eligible for Medicare, you can choose to enroll in both FEHB and Medicare. However, it is important to understand how the two programs work together, as well as the potential costs and benefits.

One of the key things to understand is that while FEHB and Medicare both provide health coverage, they are not coordinated. This means that you can use both programs to pay for medical expenses, but you must navigate two separate systems for billing and claims processing. In some cases, this can result in higher out-of-pocket costs.

For example, if you are enrolled in FEHB and Medicare Parts A and B, you will generally use your FEHB coverage as the primary payer. This means that your FEHB plan will pay first for eligible services, and Medicare will pay second. However, if you have a high-deductible health plan (HDHP) through FEHB, you may need to pay the full deductible before your coverage kicks in. In addition, some FEHB plans may require you to pay co-pays or coinsurance that are not covered by Medicare.

It is important to note that if you enroll in Medicare Part C (Medicare Advantage) or Part D (prescription drug coverage), you will generally not need to enroll in FEHB, as these plans offer comprehensive health coverage. However, it is always a good idea to review your options carefully before making any changes to your coverage.

In summary, FEHB and Medicare are both important health insurance options for federal employees and retirees. While you can enroll in both programs, it is important to understand how they work together, as well as the potential costs and benefits. By taking the time to review your options carefully, you can ensure that you have the coverage you need to stay healthy and secure.