Showing posts with label FEHB and Retirees. Show all posts
Showing posts with label FEHB and Retirees. Show all posts

Monday, July 7, 2025

Who pays in what order if I have Medicare "Part A" and "Part B" and "Part G" and "FEP Blue Focus"

Title: Who pays in what order if I have Medicare "Part A" and "Part B" and "Part G" and "FEP Blue Focus"

An AI Overview: "...In your situation, where you have Original Medicare (Parts A and B), a Medicare Supplement Plan G (Medigap Plan G), and FEP Blue Focus (Federal Employee Program), the coordination of benefits would typically work as follows:

Medicare Part A and Part B (Original Medicare): Medicare, specifically Parts A and B, is typically considered your primary coverage when you are retired. This means that when you receive covered healthcare services, your doctor will first submit the claim to Medicare. Medicare will then pay its approved amount for the service.
Medicare Supplement Plan G (Medigap Plan G): After Medicare pays its share, Medigap Plan G will step in as the secondary payer. Medigap plans are designed to help cover some of the out-of-pocket costs left by Original Medicare, such as coinsurance, copayments, and deductibles. Plan G is a popular Medigap plan that covers everything that Medicare Part A and B cover at 100%, except for the Part B deductible.
FEP Blue Focus: FEP Blue Focus would typically be the tertiary payer, meaning it pays third after Medicare and your Medigap Plan G have paid their portions. FEP Blue Focus coordinates with Medicare and can offer additional benefits not covered by Medicare alone.

Simplified Order of Payment:

Medicare Part A and Part B
Medicare Supplement Plan G
FEP Blue Focus
Important Considerations:

Active vs. Retired: The primary payer might differ depending on whether you are an active federal employee or retired. If you are still working, FEP is typically your primary coverage, but when you retire, Medicare generally becomes primary.
Show both ID cards: Always present both your Medicare and FEP member ID cards to your healthcare provider to ensure that your claims are processed correctly.

By coordinating benefits between Medicare, your Medigap Plan G, and FEP Blue Focus, you can maximize your coverage and minimize your out-of-pocket costs. ...
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Reference: The Federal Retirement News and Reference Source
Coordinating benefits between 1) Medicare 2) Medigap Plan G and 3) FEP Blue Focus,






Tuesday, August 20, 2013

Postal Service wants to pull retirees out of Federal Employees Health Benefits program - loss of a large worker benefit

Title: USPS Plan to Pull Out of Fed Health Benefits Could Cost Postal Workers

Article Snip: "...“The differences in deductibles and out-of-pocket maximums under the USPS plan -- on their own, or in combination with lower coverage levels for some services -- could lead to higher total costs for some postal employees and non-Medicare-eligible retirees, including those who would have lower premiums under the USPS plan,” GAO wrote in its report...."

Reference: www.govexec.com
Postal Service, Medicare, Federal Employees Health Benefits Program (FEHBP), FEHB and Retirees,

Tuesday, November 30, 2010

FEHB and Retirees

Title: From budgets to benefits
Article Snip: "...it is specified in the FEHB law that only two rating categories are defined - self and family. Because FEHB covers retirees, in addition to active employees and their families, the premiums for a self plus one (or married) category have been determined by OPM actuaries to be more costly than the family category for FEHB...."
Reference: www.washingtonpost.com
FEHB and retired Federal Employees