Federal Employee Retiree Coverage

[kgmom219]

Ok, I know the drill. Leave them alone.

But now, with the 2025 Part D OOP, I'm second guessing myself.

Lady pays $268 for FEHP. Goes up each year, healthy, no meds, $6K OOP.

B/G/D comes in at $317. Medical OOP goes to $233 this year, probably $250 next year and so on.

So $600-ish a year to lower the OOP from $6K to $233.

What am I missing. Anybody have any thoughts?

 

[kstein]

If they go mapd they can suspend fehb and go back later in life without underwriting. Pretty sweet gig really. Enjoy upside of good health and mapd perks with option of returning later in life. Obviously they want to confirm this with opm vs you telling them...

 

[goillini52]

Ok, I know the drill. Leave them alone.

But now, with the 2025 Part D OOP, I'm second guessing myself.

Lady pays $268 for FEHP. Goes up each year, healthy, no meds, $6K OOP.

B/G/D comes in at $317. Medical OOP goes to $233 this year, probably $250 next year and so on.

So $600-ish a year to lower the OOP from $6K to $233.

What am I missing. Anybody have any thoughts?

Makes sense to me.

 

[kgmom219]

If they go mapd they can suspend fehb and go back later in life without underwriting. Pretty sweet gig really. Enjoy upside of good health and mapd perks with option of returning later in life. Obviously they want to confirm this with opm vs you telling them...

Is it MAPD specific? Or B plus a supplement and D works the same?

 

[kstein]

Mapd only.

 

[policywunk]

Ok, I know the drill. Leave them alone.

But now, with the 2025 Part D OOP, I'm second guessing myself.

Lady pays $268 for FEHP. Goes up each year, healthy, no meds, $6K OOP.

B/G/D comes in at $317. Medical OOP goes to $233 this year, probably $250 next year and so on.

So $600-ish a year to lower the OOP from $6K to $233.

What am I missing. Anybody have any thoughts?

If she enrolls in part B then Medicare becomes primary to FEHP and her share of cost go way down to almost nothing so med supp not really needed unless it is important to be covered 100% outside of FEHB network.Only reason to consider MA is if they want the better extra dental,vison etc.

https://www.opm.gov/healthcare-insurance/fastfacts/fehbmedicare.pdf

Medicare Part B - If you are retired and enrolled in a fee-for-service (FFS) plan such as: Blue Cross Blue Shield (BCBS), GEHA, and Mail Handlers, Part B and your FFS plan may combine to provide almost complete coverage for all medical expenses. Refer to Section 9 of your plan's brochure to see how your FEHB plan works with Medicare.