If you're a FERS or CSRS employee approaching age 65, you've probably heard a dozen different opinions about whether you "need" Medicare Part B if you already have FEHB. In this episode of Confident Federal Retirement, I walk you through a simple rule of thumb to cut through the noise, plus the key cost traps and timing rules you need to know so you can make a clear, confident decision without guessing.

You'll learn how FEHB and Medicare Part B actually coordinate in retirement, when it usually makes sense to add Part B, when it can be reasonable to delay it, how IRMAA surcharges work for higher‑income households, and what happens to your Health Savings Account once Medicare is on the table. I'll also walk through a practical example of a federal couple comparing FEHB‑only versus FEHB plus Part B so you can see how this plays out in real life.

When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request a personalized Federal Retirement Plan and schedule a call.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.