Deciding how Medicare Part B should fit with your FEHB in retirement is not just a "yes or no" checkbox at 65. For federal employees, the real risk is in the hidden mistakes: enrolling too early, enrolling too late, overpaying for coverage you don't need, or accidentally breaking HSA rules without realizing it. In this episode of Confident Federal Retirement, Tom Poltersdorf, CFP®, walks through five common Medicare and FEHB mistakes he sees federal employees make in their 60s – and what to do instead.

You'll learn the difference between being an "active employee" versus a retiree in Medicare's eyes, how FEHB actually coordinates when Medicare is primary, why IRMAA surcharges can blindside you two years after a big income year, and how HSAs can quietly become a tax problem if you don't time things correctly. Tom also shares a simple way to pressure‑test your own plan so you're not guessing on one of the biggest retirement decisions you'll make.

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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.