Can I have FEHB and Part D at the same time?
Asked by: Dr. Pearline Barton | Last update: October 29, 2025Score: 4.2/5 (64 votes)
Can federal employees have both FEHB and Medicare?
If you're a federal employee, you can continue to receive healthcare coverage through FEHB when you retire. You can also sign up for Medicare if you're eligible. You don't need to enroll in Medicare if you have FEHB, but it can benefit you.
Can you have two federal insurance plans?
No. A Federal employee or annuitant can only enroll in one healthplan under FEHB andone dental and vision plan under FEDVIP. Also, the employee cannot be enrolled in one FEHB or FEDVIP plan and also be covered as a family member under another FEHB or FEDVIP plan.
Can you have Medicare Part D and other prescription plan?
You can have more than one insurance help you pay for prescription drugs. Medicare Part D Prescription Drug Plans coordinate benefits with other prescription drug coverage. This means that for covered prescription drugs the primary insurance typically pays first.
Can part time federal employees get health insurance?
Part-time career employment or certain interim appointments are not excluded from FEHB coverage.
Medicare and FEHB | Do You need Part B?
What is the 5 year rule for federal health insurance?
You need to be enrolled in FEHB for five years before you retire, or for the entire time for which you were eligible to be enrolled, and retire on an immediate annuity to be eligible to continue coverage into retirement.
Can you have a part-time job while working for the federal government?
As an employer, the Federal Government has long recognized the value of part-time employment. Legislation encouraging part-time employment for Federal employees has been in place since 1978.
What is the average monthly cost of Medicare Part D?
The average estimated monthly Part D plan premium in 2025 is $46.50. Other factors can affect the cost of Part D including monthly premium, yearly deductible and copayments. High-income earners may pay a surcharge known as the “income-related monthly adjustment amount” (IRMAA).
Can you have two prescription insurance plans?
If you have more than one prescription drug plan and plan to use Coordination of Benefits, it's important to make sure the pharmacy has the processing information for both plans. It's also important to make sure the pharmacy is aware which plan is considered primary and which plan is considered secondary.
Can I enroll in Part D anytime?
Enrollment Periods
This period is from October 15 through December 7 each year. Coverage begins the following January 1. For people who are new to Medicare, the Initial Enrollment Period (IEP) for Part D is 7 months long.
What is the truth about federal employee health insurance after retirement?
Your FEHB coverage (Federal Employees Health Benefits) is an important benefit while you're working, and if you meet the eligibility rules, you and your spouse can keep the benefit for the rest of your lives in retirement. Bonus: the share of cost remains the same, too.
Can I be on two separate insurance policies?
Most individuals only have one health insurance plan, known as “primary” insurance. However, some people also secure additional medical coverage or a “secondary” insurance plan. Having dual coverage is perfectly legal.
What health insurance do most federal employees have?
The Federal Employees Health Benefits (FEHB) program is the largest employer-sponsored health insurance program in the world, covering more than 8 million Federal employees, retirees, former employees, family members, and former spouses.
Can you have FEHB and Part D at the same time?
Medicare drug benefits accessed through your FEHB plan: Your FEHB plan will automatically enroll you if it offers Medicare drug benefits and you're eligible for Part D. There's no additional cost for the drug benefit.
Is FEP primary or secondary to Medicare?
As long as you are still actively working, FEP will be your primary coverage and Medicare late enrollment penalties will not apply.
How can retirees keep federal employee health benefits?
Employees who have had FEHB continuously for 5 years prior to retirement can continue their coverage into retirement. OPM will deduct the premiums, after tax, directly from the employee's annuity. At age, 65 retirees have the choice of signing up for Medicare coverage.
Is there a penalty for having two health insurance plans?
Remember that the combined coverage of your plans cannot exceed 100 percent of your out-of-pocket costs. If you want to get paid for going to the doctor, that will not happen even if you have multiple policies. Double premium & deductible payments: You will still be responsible for two premiums and two deductibles.
Which health insurance company denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.
Is double medical coverage worth it?
Having multiple health insurance plans can expand your healthcare options and minimize costs. However, the premium and administrative costs can be prohibitive, and two plans might only end up providing redundant coverage.
Is GoodRx better than Medicare Part D?
Consider using a GoodRx coupon instead of Medicare in the following situations: Your medication isn't covered by your Medicare plan. The medication costs less with a GoodRx coupon than with your Medicare copay. You don't expect to reach your annual deductible.
Does everyone pay $170 for Medicare Part B?
Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month. Certain factors may require you to pay more or less than the standard Medicare Part B premium in 2025.
What is the most popular Part D drug plan?
The best Medicare Part D provider is Aetna. It has top ratings from the Centers for Medicare & Medicaid Services and affordable premiums. Other great providers include Wellcare and UnitedHealthcare.
Do you pay federal taxes if you work for the federal government?
In most cases, individuals who serve as public officials are government employees. Therefore, the government entity is responsible for withholding and paying Federal income tax, Social Security and Medicare taxes. They must also issue a Form W-2, Wage and Tax Statement, to a public official.
Is working 32 hours considered full-time opm?
Full-Time. A schedule that usually requires an employee to work 40 hours as prescribed by the administrative work week for that particular employment group or class.
What can you not do as a federal employee?
All employees, except for the President and Vice President, are prohibited from: (1) using their official authority or influence to affect the result of an election; (2) soliciting, accepting, or receiving political contributions from any person; (3) being candidates in partisan elections; (4) soliciting or ...