Medicare Part B and FEHB


Q. I am about to turn 65 and I have FEHB. Is there any reason to sign up for Medicare part B. The literature on this is confusing and never really answers the question yes or no. Does paying the extra cost of part B make sense? What is the advantage?

A. There is not one-size-fits-all way to make this decision. You should only apply for and pay for Medicare Part B, in addition to comprehensive major medical coverage, if you are confident that you will recover at least as much in additional benefits than you will pay in premiums each year.


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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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