If you're a federal employee or retiree approaching age 65, you've likely asked:

"Do I really need Medicare Part B if I already have FEHB?"

In this Federal Fact Check episode, Micah Shilanski, Managing Partner and Wealth Advisor, explains how Medicare Parts A, B, and D work with your Federal Employees Health Benefits (FEHB) coverage, and what federal retirees should consider before deciding.

In this episode, we discuss:

• The 7-month Medicare enrollment window

• When Part A is typically required

• Why Part B is often considered "quasi-optional."

• The 10% per year late enrollment penalty

• How IRMAA can increase Medicare premiums

• How FEHB prescription coverage impacts Part D decisions

• Key financial planning considerations at age 65

Medicare decisions are highly personal and depend on your income, health outlook, and retirement plan. This episode is designed to help you understand the structure of the rules so you can make a more informed decision.

If you're nearing 65 or helping someone who is, this conversation is worth your time.

Check out the full episode here:https://zurl.co/Jake1

https://zurl.co/7P2P3