Using Your Benefits
Get the most out of your Blue Cross and Blue Shield Federal Employee Program (FEP) coverage with Medicare.
Here’s how your coverage works
When you’re an active federal employee, FEP is typically your primary coverage, which means we pay for your health care services first.
When you retire and have Medicare, it typically becomes your primary coverage and it pays first.
If you decide to combine Medicare and your FEP coverage, we’ll pay for covered services not covered by Medicare. When Medicare is primary, your doctor will send claims to Medicare first. Then Medicare will send the claims to us.
Finding a provider
Medicare has its own network of Participating providers. These are providers who accept Medicare’s assignment or payment. If you combine FEP and Medicare, you can go to any provider within the FEP network even if they are not in Medicare’s network.
You can see which providers are in Medicare’s network at medicare.gov/care-compare.
New for 2024: FEP Medicare Prescription Drug Program (MPDP)
Eligible members with Medicare get lower out-of-pocket costs for higher cost drugs and additional approved prescription drugs in some tiers than the traditional pharmacy benefit.Learn More
Get up to $800 back with a Medicare Reimbursement Account
Basic Option members who have Medicare Part A and Part B can get reimbursed up to $800 a year for paying their Medicare Part B premiums.Learn More