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Question

When is the right time to start Medicare if I have FEHB?

Answer

At age 65, enrolling in Medicare Part A (typically premium-free) is advisable while maintaining FEHB. Whether to take Part B depends on your coverage needs. While FEHB remains active, many federal retirees skip Part B to avoid extra premiums. However, enrolling can reduce out-of-pocket costs for medical expenses outside FEHB.

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Federal Employees FAQs
Last Updated May 14, 2026
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