Federal employee retirement health benefits and Medicare

The federal employee retirement health benefits and medicare plans cover current and retired government employees whereas, Medicare is a Health Insurance programme for people aged 65 years or above or people with disabilities under 65 years or people with kidney failure disease. Medicare has four parts; Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage) and Part D (Medicare prescription drug coverage). The FEHB plan brochures explain how they systematize benefits with Medicare depending on the type of Medicare the employee has opted for.

Federal employees who are 65 years or old are only eligible to enrol for the Medicare services. Most of the employees are happy with their Federal Employee Health Benefits (FEHB) plan and have no interest in opting for Medicare services. Generally both FEHB and Medicare help an insurer to pay for the same kind of expenses. FEHB plan also provides coverage for emergency care outside United States and some preventive services that Medicare doesn’t cover. The federal employee retirement health benefits and medicare explains that Medicare prescription drug coverage is optional and comes at an additional cost. Some FEHB plans also provide coverage for dental and vision care.