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RI Health insuraNce AGent blog

Do retiree's covered by FEHB need to enroll in Medicare?

2/20/2023

 
retirees covered by FEHB may need to enroll in Medicare Part B
A recent article published on 2/16/2023 at www.medicareresources.org addresses whether individuals who have retiree coverage through the Federal Employees Health Benefits (FEHB) program need to enroll in Medicare. Per the article which was titled:  If I have retiree coverage through the FEHB, do I need to enroll in Medicare?, the short answer is no, they are not required to enroll in Medicare, but they may choose to do so.

FEHB coverage provides comprehensive health insurance for federal retirees and their eligible family members, but it does not cover all medical expenses. Medicare can help cover some of the gaps in FEHB coverage, such as deductibles, coinsurance, and some prescription drug costs. However, individuals who choose to enroll in Medicare may need to pay monthly premiums for Medicare Part B, and they may also face higher deductibles and coinsurance amounts for their FEHB coverage.

The article recommends that individuals review their current health care needs and compare the costs and benefits of Medicare and FEHB coverage before making a decision about enrollment. It is also important to note that individuals who delay enrolling in Medicare may face penalties and restrictions on when they can enroll in the future.

What is the FHEB Program?

The Federal Employee Health Benefits Program (FEHB) is a health insurance program offered to federal employees, retirees, and their dependents. It provides comprehensive health insurance coverage, including medical, dental, and vision benefits, and offers a wide range of plan options from various private insurance carriers. The program is administered by the Office of Personnel Management (OPM) and is the largest employer-sponsored health insurance program in the United States, covering over 8 million people.?

Insurance Agent in RI offering assistance with Medicare plans
If you are a Rhode Island resident and are enrolled in FEHB, connect with Ted Czabanowski for a complimentary consultation if you have questions about your health care coverage options.

    Ted Czabanowski

    Licensed Insurance Agent in Rhode Island

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Ted Czabanowski from Elder Care Insurance Solutions, Inc. currently offers Medicare plans in many states but not in all service areas.

We do not offer every plan available in your area.  Currently we represent 5 of 6 organizations in Rhode Island, which offer 39 of 56 products based on service area. In all other states currently appointed, we represent 3-5 organizations each.  We currently offer in the states of Connecticut 38-43 plans out of 60-65; Florida, 72 plans out of 145-50 ; Georgia 70-75 plans out of 135-140; Indiana 50-55 plans out of 120-125; Maine 35-40 plans out of 65-70; Massachusetts 20-25 plans out of 45-50; Michigan 60-65 plans out of 145-50: Nevada 45-50 plans out of 100-105; New York 30-35 plans out of 60-65; Ohio 53-58 plans out of 155-160; Pennsylvania 55-60 plans out of 138-143; So. Carolina 60-65 plans out of 110-115.

Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all your options.


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