I worked for the federal government for 30 years and took early retirement. How does my federal retirement affect my Medicare options?

Question

Jonathan Potter · Accepted Answer

Well that depends on a lot of factors. If you are not 65 then you don't have an option to get on medicare unless you are diagnosed with a disability. 

If you are 65 and the your coverage will stop at 65 then you need to get on medicare part A and 
B.

If you are 65 and the government is giving you lifetime coverage then you need to see if it is worth paying the medicare part B premium and adding medicare or just staying on your current coverage.

Steven Bleicher · Answer

Due to your work history, when you become Medicare-eligible, you have the same rights as those who did not work for the Federal Govt. Most folks like you have enjoyed excellent healthcare benefits during your career. You will be tasked with comparing what benefits you have retained as a veteran of the govt., vs. what you "might" gain as a Medicare person in your particular State. 

The real dilemma with folks like you is that you likely did not contribute to Social Security and rather will get a pension. You also have the right to speak with a counselor or a Human Resources person with whom you can question about how most govt-veterans go about using Medicare throughout your lifetime.

John L Herman Jr · Answer

Health Care Plans from the Federal Government are vary good Plans. You still must wait until you are 65 to receive Medicare, except in certain circumstances. Then you would have Medicae as your primary insurance and the Federal Plan as your secondary.

Answered by John L Herman Jr on April 6, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

Steve Brauer · Answer

Your 30 years of work with the Federal Government should not affect your Medicare when you reach the age of 65. Every situation is different, but you may have different options after you've enrolled into your Part A and B since you've been with the Federal Government.

Answered by Steve Brauer on April 8, 2025

Broker Licensed in AZ & CA

Answered by Steve Brauer Medicare Insurance Agent

Kelly Linster · Answer

Depending on federal plan you are offered, you may or may not have to enroll in part B of Medicare. Potentially saving you the part B premium.

I worked for the federal government for 30 years and took early retirement. How does my federal retirement affect my Medicare options?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents Hub
A non-government resource website

I worked for the federal government for 30 years and took early retirement. How does my federal retirement affect my Medicare options?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website