FEHB & Medicare

Coordinating Medicare & FEHB.

Making Medicare and FEHB work as one — which pays first, Part B reimbursements, TRICARE For Life alongside FEHB, and the HSA contribution trap that catches people working past 65.

Coordinating Medicare & FEHB · 8 articles

Every guide in this cluster

Guide · 6 min · New

Medicare Advantage Claim Denied: Appeals and Grievances

Your Medicare Advantage plan denied a claim. The 65-day appeal, the automatic independent review, grievances, and when to call for help.

Guide · 6 min · New

Form L564: Medicare Part B After You Retire

Form CMS-L564 proves job-based coverage so you can get Part B without a penalty. Why a federal retiree’s 8-month clock starts at retirement.

Article · 7 min · New

Do Federal Retirees Even Need Medigap? The Traps to Avoid

Almost never — FEHB already acts as a Medicare supplement, often better than Plan G. The two Medigap traps: paying twice, and the irreversible mistake of dropping FEHB.

Article · 12 min

Medicare Part D and FEHB: Do Federal Retirees Need It? (2026)

FEHB drug coverage means no Part D penalty, but the new $2,100 out-of-pocket cap changed the math. How the FEHB EGWP works, when to opt out, and a calculator.

Article · 11 min

Suspending FEHB for Medicare Advantage: Keep Your Way Back (2026)

Federal retirees can suspend FEHB for a Medicare Advantage plan and keep the right to return. Suspend vs cancel, RI 79-9, re-enrollment, and a calculator.

Article · 14 min · New

Medicare vs. Medicare Advantage: How to Choose in 2026

Original Medicare or Medicare Advantage — plus the FEHB-sponsored third path most feds never hear about. The 2026 trade-offs, the one-way-door warning, and a “which fits you” priorities matcher.

Article · 14 min

TRICARE for Life and FEHB: The Decision for Military Feds

The suspend strategy, the coordination of benefits, and when each plan wins for dual-status retirees in 2026. With a three-strategy cost comparison calculator showing 20-year savings.

Deep-dive · 9 min

Medicare Enrollment Kills Your HSA Contributions: The 6-Month Lookback

Any part of Medicare ends HSA contributions, and Part A backdates up to 6 months — turning legal contributions into a 6% penalty. When to stop, and a risk calculator.

Back to the full pillar

This is one cluster of the FEHB & Medicare pillar. Explore the Part B decision, FEHB in retirement, coverage gaps, and more in the full pillar.

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