Sorry for confusing you grumpy. I had understood that I would have to take Medicare Part A when I turn 65 and could take a less broad FEHB plan in lieu of a Part B supplement. But it looks like you do have a choice to keep FEHB and skip Medicare entirely. Without a lot more research I am not sure whether that makes sense or not. I have a vague memory that the FEHB is restricted to Medicare level payments to doctors for procedures that would otherwise be covered by Medicare. But I am not sure whether that is correct.
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