Combining Your Coverage With Medicare

Together, the Service Benefit Plan and Medicare can protect you from the high cost of medical care.

Medicare works best with your Service Benefit Plan coverage when Medicare Part A and Part B (also known as Original Medicare) are your primary coverage. That means Medicare pays for your service first, and then we pay our portion. Usually if you’re retired, Medicare is primary. If you’re still actively working, we’re your primary coverage.

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Zero Out-of-Pocket Costs for Covered Services

What you’ll pay when Medicare Part A and Part B are primary. Basic Option and FEP Blue Focus members must see Preferred providers.

Standard Option Basic Option FEP Blue Focus
Primary Care Doctor $0
copay
$0
copay
$0
copay
Specialists
Virtual Doctor Visits
Urgent Care Centers
Inpatient Hospital
Outpatient Hospital
Surgery
ER - Accidental Injury
ER - Medical Emergency
Lab Work (such as lab tests and EKGs)
Diagnostic Services (such as sleep studies, X-rays, CT scans)
Chiropractic Care $0 copay for up to 12 visits $0 copay for up to 20 visits $0 copay for up to 10 visits*
Physical Therapy1 $0 copay for up to 75 visits $0 copay for up to 50 visits $0 copay for up to 25 visits

*Up to 10 visits combined for chiropractic care and acupuncture.
1Visit limits are combined for physical, speech and occupational therapy.

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Covering the Things Medicare Doesn't Cover

By combining your coverage, you get access to benefits not covered by Medicare Part A and Part B.

  • Hearing aids
  • Routine foot care
  • Acupuncture
  • Dental care
  • Overseas care
  • Prescriptions
Find Out More

Start Planning for Retirement

It’s never too early to start thinking about your retirement. Our guide to Preparing for Government Retirement can help you start planning and understand your options. 


Download the Guide

Please note: The Medicare information on this page focuses on the Original Medicare Plan and when Medicare Part A and Part B are your primary coverage, unless otherwise noted. The Service Benefit Plan information refers to Standard Option, Basic Option and FEP Blue Focus.

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