Employees approaching age 65
FEHB/PSHB Health Insurance & Medicare Coordination
Coordinate FEHB or PSHB with Medicare so you don't overpay or overlap coverage.
Overview
Health coverage decisions around age 65 are some of the most expensive choices in federal retirement. We help you coordinate FEHB or the new PSHB program with Medicare Parts A, B, and D so you understand how they interact and where you may be over- or under-insured.
What We Review
- Whether to suspend FEHB/PSHB, keep it, or coordinate with Medicare [VERIFY]
- Medicare Part B enrollment timing and the IRMAA income surcharge impact
- How the PSHB program (Postal Service Health Benefits) changes coordination for USPS employees
- Prescription drug coverage and whether to keep FEHB/PSHB pharmacy benefits
Why It Matters
Wrong enrollment timing can trigger lifetime late-enrollment penalties or duplicate premiums. Proper coordination can preserve coverage while avoiding thousands in needless costs. [VERIFY] current FEHB/PSHB and Medicare coordination rules.
Your deliverable
A health-and-Medicare coordination summary with decision points flagged.
How this service works
Every engagement follows the same simple four-step process — ending with a plan you can act on.
- 1
Book a free consultation
Schedule a 30–45 minute, no-cost conversation by phone, video, or in person.
- 2
Share your benefits information
Send your annuity estimate, TSP statement, and insurance details so we can review your full picture.
- 3
Receive your personalized analysis
We build your gap analysis report, identifying strengths and gaps in your current plan.
- 4
Review your retirement plan
We walk through your analysis together and outline clear, prioritized next steps.
Ready to see where your federal retirement stands?
Your free 30–45 minute consultation is a working session, not a sales pitch. Let's find the gaps before retirement finds them for you.
No cost · No obligation · Phone, video, or in person