FEHB Medicare Question

Quick question…in your experience with people on FEHB, what is your typical course of action with them or what typically do these people decide to do as far as their medicare coverage?
There is no difference (to me) between a FEHB prospect and a non-FEHB client. My course of action does not change. Educate them on their options, crunch the numbers, decide which choice makes the most sense for their individual situation.