FEHB and Medicare

[Golden sunsets]

We have BCBS Basic and receive no such benefits. Our copays are substantial. Are the benefits reserved for people who also have Medicare?

Are you a Federal retiree? These benefits (no copays or deductibles) are an FEHB plan BCBS benefit.


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[Golden sunsets]

Huh? I thought over 65 and Medicare eligible meant no HSA contributions allowed.

Sorry HRA, not HSA, but same effect and purpose.


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[Amethyst]

Both of us are.

Are you a Federal retiree? These benefits (no copays or deductibles) are an FEHB plan BCBS benefit.


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[Golden sunsets]

Both of us are.

So the no copays and no deductables kick in if and when you sign up for Medicare B.

 

[Amethyst]

OK thanks!

So the no copays and no deductables kick in if and when you sign up for Medicare B.

 

[Brat]

A Fed retiree can suspend participation in FEHB, there is a form for that, then reinstate participation during open season with proof you have been continuously covered by a Medicare Advantage plan. Check to see if dependents are treated the same. My DH is very happy with Kaiser Medicare Advantage on the open market so I suspended him. A question I didn't address is what would happen if I passed (I am the retiree), could he reinstate FEHB?

Did you notice that the employee +1 isn't cheaper than family coverage... at least that was what I found last year.

 

[donheff]

Did you notice that the employee +1 isn't cheaper than family coverage... at least that was what I found last year.

My self plus 1 is a little less than a family plan.

 

[Amethyst]

I think it very unlikely if he is not a Federal employee himself, but you'll need to ask OPM. The FEHB Handbook may have the answer you need. https://www.opm.gov/healthcare-insurance/healthcare/reference-materials/fehb-handbook/

My DH is very happy with Kaiser Medicare Advantage on the open market so I suspended him. A question I didn't address is what would happen if I passed (I am the retiree), could he reinstate FEHB?

Did you notice that the employee +1 isn't cheaper than family coverage... at least that was what I found last year.