If you have coverage under the FEHB program or Tricare, you will only want to consider Medicare and Medicare insurance if Medicare is more advantageous to you than your current insurance. The question to ask yourself, and your retirement coordinator, is what Medicare will cover and what the total costs will be versus your current insurance.

For more information about the FEHB program, you may want to consult the Office of Personnel Management: http://www.opm.gov/insure/health/medicare/medicare01.asp#4

For more information about Tricare, you may want to consult the Tricare for Life website: http://www.tricare.mil/mybenefit/home/overview/Plans/ForLife