I have Medicare and a Federal Employee Health Benefits (FEHB) plan

• If you are covered under a FEHB plan, you will get information during the open season about your prescription drug coverage and whether it is creditable prescription drug coverage. Read this information carefully.
  
  
• Contact your FEHB insurer before making any changes. It will almost always be to your advantage to keep your current coverage without any changes. For most people, unless you qualify for extra help, it isn’t cost effective to join a Medicare drug plan. Caution: You can’t drop FEHB drug coverage without also dropping FEHB plan coverage for hospital and medical services, which may mean higher costs for these services.

• If you qualify for extra help paying Medicare prescription drug costs, see how your costs compare with a Medicare drug plan and any extra help versus your FEHB plan prescription drug coverage.
  
  
• If you ever lose your FEHB coverage and need to join a Medicare drug plan, in most cases, you won’t have to pay a late enrollment penalty, as long as you join within 63 days of losing FEHB coverage.