Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you. 👇

Understanding how FEHB works with Medicare Part B and retirement is one of the most important financial planning decisions federal employees face — and it can save you thousands in premiums and out-of-pocket costs.

🔗 LINKS & RESOURCES
Federal Benefits Open Season Info: https://www.opm.gov/healthcare-insurance/
Medicare & FEHB Coordination Guide: https://www.medicare.tools/question/fehb-and-medicare-how-they-work-together-in-2025
FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
Newsletter: https://cdfinancial.com/newsletter

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 FEHB vs Medicare Part B: The Decision Federal Employees Face
0:31 Meet Ann Vanderslice and Why This Topic Matters
1:25 Why Federal Employees Can Opt Out of Medicare Part B
2:57 FEHB Premium Increases: Recent Trends and What They Mean
5:12 FEHB Costs in Retirement: What Changes (and What Doesn’t)
7:20 How FEHB Premium Sharing Works and Why the OPM Cap Matters
9:02 FEHB as a “Part B Replacement” vs Pairing FEHB with Medicare
10:41 FEHB Part B Incentives and Rebates: Why Insurers Offer Them
12:01 Real Examples: Comparing FEHB Premiums Across Different Plans
14:14 Suspending FEHB and Medicare Advantage (Part C): Key Rules
22:53 Medicare Part B + Supplement + Part D: Cost Factors to Compare
17:47 Open Season Timing and Switching FEHB Plans
26:33 Preventive Health and Staying Active: Closing Takeaways

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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