Federal Employee Health Benefits (FEHB) prescription drug coverage is creditable for Medicare-eligible retirees. This means that if you are enrolled in FEHB, you can delay Part D enrollment without incurring a late enrollment penalty (LEP). Be sure to compare the costs and benefits of your FEHB plan and Part D to decide which best suits your needs.

If you are eligible for Extra Help, you may want to consider enrolling in Part D. The drug copayments for individuals who have Part D and Extra Help are typically lower than the copays under FEHB drug coverage. However, your FEHB plan’s formulary may be broader than the formularies of Part D plans offered in your area. You may also want to keep FEHB drug coverage if the plan covers your drugs with no or fewer coverage restrictions than available Part D plans.

If you enroll in both Part D and FEHB drug coverage, Part D is typically the primary payer for your prescription drugs.

Note: FEHB drug coverage cannot be suspended separately from FEHB health coverage. If you want to keep your FEHB health coverage, you must keep drug coverage, even if you enroll in Part D.

Return to: Medicare Admin

This content was created and copyrighted by the Medicare Rights Center ©2020. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These materials are presented here with support from YourMedicare.com and may not be distributed, modified or edited without Medicare Rights’ consent.

YourMedicare.com takes pride in providing you as much information as possible concerning your Medicare options, but only a health insurance broker licensed to sell Medicare can help you compare your plan options from various insurance companies. When you’re ready, we recommend you discuss your needs with a YourMedicare.com Licensed Sales Agent.