To Medicare Part B or not to Medicare Part B


Q. My husband is retired from the United States Postal Service. He has Medicare Parts A and B. A friend told me that my husband does not need Medicare Part B because he has BCBS through FEHB.  Is this true?

A. The decision to choose Medicare Part B is a personal matter. Most federal retirees decline that option, unless they are aware of (or anticipate) specific medical needs that are better covered by it.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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