Enrollment in Medicare Part B is not obligatory for you. The National Association for Active and Retired Federal Employees (NARFE) has highlighted that most individuals enrolled in the Federal Employees Health Benefits Program (FEHBP) might not require this additional coverage.
Even if you don’t require these extra benefits presently, it doesn’t mean you won’t find them necessary later on. It’s advisable to scrutinize your familial medical history to predict if you might develop any inherited conditions before settling on your choice. Should there be elements within Part B that could justify the extra expense down the line, weigh them against the dual coverage options.
Remember, postponing your Medicare Part B enrollment until you deem it necessary will result in a premium hike for each year you’ve deferred.
