Medicare-Blue Cross and Blue Shield's Federal Employee Program


As time marches on, your medical needs may change. The Blue Cross and Blue Shield Service Benefit Plan is here to help you understand your healthcare options and the choices available to you through Medicare. 

Standard Option

When you combine your Standard Option Coverage with Medicare coverage as primary, you no longer have to pay the Service Benefit Plan’s annual deductible, coinsurance or copayments.

Basic Option

If you have Basic Option coverage and Medicare coverage as primary, the copayment amounts are waived for covered services when you use Preferred providers. The cost of your Medicare premiums may be offset entirely by these savings. 

Medicare Benefits

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

What is Medicare?

Medicare is a federal health insurance program for people age 65 or older, people under age 65 who are disabled and people of any age who have End Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

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Medicare and Your Service Benefit Plan

Your Service Benefit Plan benefits plus Medicare coverage work together to maximize your benefits and minimize your out-of-pocket costs. 

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Questions about Medicare and your Service Benefit Plan Coverage?

If you have questions about how the Service Benefit Plan coordinates with Medicare coverage, call your local Plan at the number on the back of your member ID card. Please see the Service Benefit Plan brochure for a full explanation of benefits.

Contact your local Plan

Enrolling in Medicare

For many federal employees and retirees, deciding whether to enroll in Medicare can be a difficult decision. It's important to review the four parts of Medicare, the type of coverage they provide and whether it's right for you.

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Questions about Medicare?

If you have any questions about Medicare, call 1-800-633-4227 or visit For information from OPM about FEHB benefits and Medicare


Blue Health Assessment

Good health helps you get the most out of life. By taking ten minutes to answer just a few questions, the Blue Health Assessment (BHA) gives you a unique health action plan– and you may earn $50 too! 

Take the BHA

Please note: The Medicare information in this feature focuses on the original Medicare Plan, Medicare Part A and Part B, unless otherwise noted. The Service Benefit Plan information refers to Standard and Basic Options only.