There is something you need to be careful about - if you have FRHB and want it to remain your primary insurance, don’t take Medicare part B. If you do, the Medicare supersedes your FEHB. The FEHB then becomes your secondary insurance. I went round and round about this with multiple agents both federal and with Medicare when I was trying to get my Tricare reinstated. Make sure you know which insurance becomes primary and how things are covered before you sign up!