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:
-
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 (January 1st - March 31st) 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
FEHB, PSHB, and Medicare Consultations for Federal and Postal Retirees
Turning 65—or retiring after age 65—can make health insurance decisions feel more complicated than expected. Medicare may look simple at first, but choosing whether and how to combine Medicare Parts A, B, C, and D with your Federal Employees Health Benefits (FEHB) or Postal Service Health Benefits (PSHB) coverage requires careful, personal guidance.
Retire Federal offers one-on-one consultations to help federal employees, postal employees, retirees, annuitants, and eligible family members understand their options and make informed health coverage decisions. Our specialists explain how FEHB or PSHB can work with Medicare and help you evaluate which choices best fit your health needs, medications, retirement status, location, and family situation.
Reasons to Schedule a Consultation
Understand Your FEHB or PSHB Options
Federal retirees may be able to continue FEHB coverage into retirement, while Postal Service employees and annuitants now have coverage through PSHB, a separate program within FEHB. PSHB plans generally offer comprehensive health benefits similar to FEHB plans, but Medicare enrollment rules can differ for certain Medicare-eligible postal annuitants and eligible family members.
Make Confident Medicare Decisions
Many retirees ask the same question: “To B or not to B?” During your consultation, we help you understand the role of Medicare Part B and how Medicare Parts A, C, and D may affect your overall coverage, premiums, prescription drug access, and out-of-pocket costs. There is no single answer that fits every retiree, so we review your individual circumstances before discussing potential paths forward.
Here are some suggested "To-Do's" to prepare you for Open Enrollment Season:
Review your medical
expenses from last year
Collect all of your receipts for doctors visits, copays, hospital stays and prescriptions.
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.
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.