Skip to main content

FEP & Medicare

Learn how the Blue Cross and Blue Shield Service Benefit Plan and Medicare work
together for you.

The Blue Cross and Blue Shield Service Benefit Plan is the number one choice of federal retirees in the Federal Employees Health Benefits Program. For 60 years, we’ve been covering federal employees and retirees.

What's Medicare?

Medicare is a federal health insurance program for people age 65 or older, people under 65 who have certain disabilities and people of any age who have End-Stage Renal Disease. It has four parts that cover different healthcare services. Watch this video to see how FEP and Medicare can work together and help you have a happy and healthy retirement. 

Learn more at or download our Preparing for Government Retirement guide. 

Combine your coverage to get more

Together, the Service Benefit Plan and Medicare can protect you from the high cost of medical care. 

Medicare works best with our coverage when Medicare Part A and Part B are your primary coverage. That means Medicare pays for your service first, and then we pay our portion. 

Usually if you’re retired, Medicare is primary. If you’re still actively working, we’re your primary coverage.

Pay zero out-of-pocket costs for covered services

You'll pay nothing for these services when Medicare Part A and Part B are primary. 

  • Primary Care Visits
  • Inpatient Hospital
  • ER - Medical Emergency
  • Specialist Visits
  • Outpatient Hospital
  • Lab Work (lab test and EKGs)
  • Virtual Doctor Visits
  • Surgery
  • Diagnostic Services (X-rays, CT scans)
  • Urgent Care Centers
  • ER - Accidental Injury

Get up to $800 back with a Medicare Reimbursement Account

Each member of a Basic Option plan who has Medicare Part A and Part B can get reimbursed up to $800 per year for paying their Medicare Part B premiums.

Learn More
Please note: The Medicare information on this page focuses on the Original Medicare Plan and when Medicare Part A and Part B are your primary coverage, unless otherwise noted. The Service Benefit Plan information refers to Standard Option, Basic Option and FEP Blue Focus.