This site has a number of retired Federal (CSRS) employees who may know of other forums or information sources that can address my SSA/Medicare/FEHB situation; I am now about 65 and time to register for SS (which means only for Medicare, no SS benefits). Up to now I have been ‘double covered’ by FEHB AND DWs state medical benefits, there is no charge to either of us for my coverage under her plan. I contacted my HMO (Kaiser) and they said I have to choose only one source for their Medicare Advantage Plan. If I choose to continue to be covered by my wife’s system how do I decline FEHB coverage? If I decline it now can I restart at some open enrollment period in the future? (Just remotely possible that her former employer may want to decrease dependent benefits someday.) I see references to ‘file & suspend’ but these references usually cite Tricare coverage as the alternative and I do not have such coverage. This could potentially save me $1K a year in premiums if it all works out smoothly. But I see that in registering for Medicare they want me to apply for Part B and Kaiser wants me to pay into Part B yet would I not be covered by DWs coverage paying into Part B as a dependent?
Sent an email to OPM, I do not expect a response.