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Combining FEP & Medicare

Discover how the Blue Cross and Blue Shield Federal Employee Program (FEP) and Medicare work together for you.

Combine your coverage to get more

Together, FEP and Medicare can protect you from the high cost of medical care.

Medicare works best with our coverage when Medicare Part A and Part B 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.

Get coverage for the things Medicare doesn’t cover

By combining Medicare coverage with FEP, you can get access to benefits not covered by Medicare Part A and Part B.*


This includes hearing aids, acupuncture, routine foot care, dental care and overseas coverage.

Pay zero out-of-pocket costs for certain covered services

You’ll pay nothing for most services when Medicare Part A and Part B are primary.


This includes primary care visits, specialist visits, surgery, ER, lab work and physical therapy.

*Not all benefits are covered by each plan.

See more benefits and compare plans

Our three plan options provide the benefits you need today and as your health care needs change.

See what you’re really getting

Wondering what you can get with Original Medicare (Part A and Part B), Original Medicare plus FEP or just a Medicare Advantage plan? We can help you make an informed decision. Remember: FEP is not a Medicare Advantage plan.

Original Medicare Original Medicare + FEP Medicare Advantage (MA) Plan
Cost You pay a monthly premium for Part B + you’ll pay a separate premium for Part D if you need prescription drug coverage

You pay your FEP plan’s premium + the monthly Part B premium


FEP Blue Basic™ members can get up to $800 back for paying Part B premiums

You pay your MA plan’s premium in most cases + the monthly Part B premium

OPM does not contribute to your MA plan premium if you suspend FEHB Program coverage
Coverage Covers most medically necessary services & supplies. Does not cover acupuncture, hearing aids, dental care, routine exams & eye exams Covers medically necessary services + many services Medicare does not cover

Covers medically necessary services

Some plans also cover extra services Medicare does not cover

Providers You can go to any doctor or hospital in the U.S. that takes Medicare

All members have access to FEP’s network that includes over 1.7 million doctors and hospitals in the U.S.

FEP Blue Standard™ members can go to any out-of-network provider

Covers care for members living or traveling overseas

You can go to the doctors and providers in the plan’s network

With MA plans, it’s important to check provider limitations, additional costs for out-of-network providers and overseas coverage as benefits & coverage vary between plans

Don’t lose your coverage

As long as you don’t cancel your health insurance, it will never go away for as long as you’re retired. If you do choose to cancel your insurance, you will never be able to re-enroll in a health insurance plan through the Federal Employees Health Benefits (FEHB) Program. If you want to try a different plan such as Medicare Advantage or Tricare, you may suspend your coverage and still retain the right to re-enroll in the FEHB Program. To learn more, visit

New for 2024: FEP Medicare Prescription Drug Program (MPDP)

Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers than the traditional pharmacy benefit.

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Get up to $800 back with a Medicare Reimbursement Account

FEP Blue Basic members who have Medicare Part A and Part B can get reimbursed up to $800 a year for paying their Medicare Part B premiums.

Learn More