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Federal Employees Health Benefit (FEHB) Plan
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If you have coverage through a Federal Employees Health Benefit (FEHB) plan, you will only want to consider Original Medicare and health insurance if they are more advantageous to you than FEHB. The question to ask yourself, and your retirement coordinator, is what each option will cover and what the total costs will be.
Generally, FEHB plans help pay for the same kind of expenses as Medicare. FEHB plans also provide coverage for prescription drugs, routine physicals, emergency care outside of the United States, and some preventive services Original Medicare doesn't cover, but many Medicare Advantage plans do cover. Some FEHB plans also provide coverage for dental and vision care.
Medicare covers some orthopedic and prosthetic devices, durable medical equipment, home health care, limited chiropractic services, and medical supplies, which some FEHB plans may not cover or only partially cover. For more information, you may want to consult the Office of Personnel Management: http://www.opm.gov/insure/health/medicare/medicare01.asp#4.
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Many people like help deciding which plan is a good choice for them. Plans vary widely from company to company and from place to place, and when comparing plans between companies it’s important to compare the fine print—not just the premiums. That’s what Senior Educators Insurance Services was created for—to provide free, unbiased assistance to Medicare recipients to help them choose appropriate coverage. To request help now, please fill out the short informational form here so a licensed representative can be well informed about your healthcare preferences. Or simply give us a call at 1-800-236-4613 and speak with a trained and licensed representative now!
If you prefer to do the research by yourself, we’ve created a number of tools to help you do so. First, we have created the Senior Educators Insurance Services’ Top 10 Tips for Navigating Medicare, which captures a very high-level perspective on what to consider based on our years of experience. Second, we have created a plan comparison engine that shows you a list of the plans available in your area. To access that tool, enter your zip code on the side of this page and click the “Find Plans” button. We hope that if you find a plan through our tools, you’ll enroll through our organization, as it’s how we can afford to provide excellent, unbiased information and help.
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