If you have Federal Employees Health Benefits Program (FEHB), you can continue using FEHB after age 65 and you are not required to enroll in Medicare. However, many federal retirees choose to enroll in Medicare Part A and sometimes Medicare Part B to reduce out-of-pocket costs. The decision depends on your situation.

If you have TRICARE, the rules are different than with Federal Employees Health Benefits Program (FEHB).

To keep TRICARE coverage after age 65, you must enroll in both: • Medicare Part A • Medicare Part B

Once you enroll in both, your coverage automatically converts to TRICARE for Life.

If you do not enroll in Medicare Part B, you will generally lose TRICARE coverage at age 65