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Planning for Open Enrollment, Money, Documents, Calculator

GET INDIVIDUAL HELP WITH INSURANCE DECISIONS

OPEN ENROLLMENT FOR FEHB, FEDVIP, and FSA
November 9th, 2026 through December 14th, 2026

Sign up for a one-on-one consultation to help you make decisions through education and simplification of these common insurance decisions:

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  • Coordination of Medicare and FEHB or PSHB

    • This is our most popular "single topic" stand-alone consultation.


       

  • Continuation of insurance in retirement

    • This is included with any of our pre-retirement consultations.

Learn more about Medicare and Coordination with FEHB/PSHB

Here are important tips when you or your spouse is turning 65:
 

  • You can avoid the late enrollment penalty when signing up for Medicare Part B

    • Sign up during your Initial Enrollment Period

    • If you are already age 65, then sign up during a Special Enrollment Period after you or your spouse retires (Medicare is the secondary payer when you are covered by "current employment" health insurance).

    • If you miss the Initial Enrollment Period, then sign up during a General Enrollment Period that is less than 12 months from the end of your Initial Enrollment Period or the first month after you (or your spouse) retire.
       

  • Go to your FEHB or PSHB plan's website and select the Medicare coordination link in the navigation area of the home page

    • Links to FEHB plan websites (Select your state in the search bar) 

    • For PSHB plans, use the above website link to the individual plans and then select the PSHB plan option
       

  • Learn the Medicare A, B, C, and D basics

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Here are some suggested "To-Do's" to prepare you for Open Enrollment Season:

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Money and stethoscope

Review your medical

expenses from last year

Collect all of your receipts for doctors visits, copays, hospital stays and prescriptions.

Retire Federal offers personal fee-for-service consulting for civilian federal employees and retirees during the annual insurance open season (and throughout the year). We work with employees and retirees to help choose the best Federal Employees Health Benefit Plan and coordinate coverage for the Federal Employees Dental and Vision Supplemental plans (FEDVIP).  We are experts in understanding the coordinating between FEHB, Medicare and Tricare for Life (TFL).  We can help you figure out the best combination once you reach age 65.  You can receive a one-on-one consultation online or by phone.   We have limited appointment times available during the open season. 

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THINK YOU MIGHT NEED

INDIVIDUAL HELP?

Retire Federal will help you analyze and narrow down your choices with guidance for choosing the best health plans for you and your family as well as plans that coordinate best with Medicare.

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We provide one-on-one counseling for federal employees and retirees that includes a one-on-one telephone consult as well as written guidance for your specific situation.

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