Retire with confidence
Start your retirement off strong with G.E.H.A and get the extra retirement benefits you worked for.
Get started with Medicare and learn how G.E.H.A plans can maximize your coverage.
Turning 65 makes you eligible for greater health benefits that can reduce out-of-pocket costs, expand benefits and add valuable perks to your current benefit plan. As you prepare for retirement from federal service, G.E.H.A is here to help you choose the right health coverage for this exciting new stage of life.
Get personalized guidance from a G.E.H.A federal benefits expert
When do you qualify to enroll in Medicare?
Medicare enrollment calculator
Find out when you can enroll in Medicare
Enter your date of birth to calculate your Medicare enrollment period
Your Initial Enrollment Period has passed
If you didn’t enroll in Medicare when you first became eligible, you’ll need to wait for the General Enrollment Period, which runs from January 1 to March 31 each year. The timing may be different if you’re still working and covered by an employer health plan.
Understanding the different parts of Medicare
Part A
Covers inpatient hospital care, skilled nursing facility care, and some home health care and hospice care.
Part B1
Covers doctor visits, outpatient hospital care, lab tests, diagnostic services and durable medical equipment.
Part C
An alternative to Original Medicare, called Medicare Advantage, that combines Parts A and B, and often includes a Part D drug plan. To enroll in Medicare Advantage, you must be enrolled in both Medicare Part A and Part B. Access enhanced benefits with Medicare Advantage.
Part D
Covers prescription drugs, offered through private insurance companies approved by Medicare.
Greater coverage in retirement
See how G.E.H.A delivers Medicare‑focused health benefits with our most popular Standard and High plans — plus rewards for healthy activities.
G.E.H.A makes Medicare better
Maximize your benefits that pair with Medicare to help reduce your out-of-pocket costs
Health plans
Medicare Advantage (MAPD)
Explore the UnitedHealthcare® G.E.H.A Group Medicare Advantage (PPO) Plan below.
Prescription Drug Plan
More benefits with G.E.H.A Medicare Advantage
No out-of-pocket costs
$0 copays for covered medical services
Monthly Part B subsidy
Get a monthly Part B premium subsidy
$100 High Medicare Advantage
$75 Standard Medicare Advantage
Large national network 2
Flexibility to see any participating provider
Prescription drug coverage
Look up your medications and search for a participating pharmacy near you
Complimentary gym membership 3,4
Renew Active® gym membership to help you stay active
Hearing aid benefit5
Access to hundreds of brand-name hearing aids and a $2,500 hearing aid allowance
Aging into Medicare Guide
Federal News Network Retirement Guide
Medicare FAQs
When can I sign up?
When can I sign up?
Your Initial Enrollment Period is 7 months long: 3 months before your 65th birthday, the month of, and 3 months after. Becoming Medicare-eligible is a qualified life event, which is an opportunity for you to switch health plans outside of Open Season.
Do I have to sign up if I'm still working?
Do I have to sign up if I'm still working?
Not necessarily. If you have employer coverage based on active employment, you may qualify for a Special Enrollment Period (SEP), allowing you to delay Part B without penalty.
How do I enroll?
How do I enroll?
If not automatically enrolled (usually through Social Security at 65), you can sign up online at Medicare.gov, by phone or at a local Social Security office.
When does coverage start?
When does coverage start?
If you enroll during the 3 months before your 65th birthday, coverage begins on the first day of your birthday month. If you enroll later, it is delayed.
Resources
Guides
In-depth guides to help you understand Medicare and how G.E.H.A coverage works in retirement.
Watch and learn
Learn Medicare basics and how G.E.H.A supports you throughout retirement.
More information
Helpful external resources and next steps for enrollment and retirement planning.
You must remain a G.E.H.A High/Standard FEHB or PSHB Health Plan member in the FEHB or PSHB Programs if you elect to enroll in the G.E.H.A Medicare Advantage Plan. Plans are offered by G.E.H.A and insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply.
1 Part B Premium: Your Medicare Part B premium depends on your income and can change each year. It is usually deducted from your monthly Social Security check. Regardless of what Medicare coverage you have, you will always need to pay your Part B premium.
2 Provider network may vary in local market.
3 These benefits are neither offered nor guaranteed under contract with the FEHB or PSHB Programs but are made available to all Enrollees who become members of a G.E.H.A health plan and their eligible family members.
4 The fitness benefit and gym network varies by plan/area and participating locations may change. The fitness benefit includes a standard fitness membership at participating locations. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine.
5 Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. Network size varies by local market. Please refer to your Evidence of Coverage (EOC) for details regarding your benefit coverage.
This is a brief description of the features of Government Employees Health Association, Inc.'s health plans. Before making a final decision, please read the G.E.H.A Federal brochures, which are available at geha.com/PlanBrochure. All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochures.
Let our benefits experts help you choose a G.E.H.A plan that can work for you.
Monday–Friday
By phone: Available 8 a.m.–8 p.m. ET
Live chat: Available 8 a.m.–7 p.m. ET
More ways to contact us
More ways to contact us
Health questions: 1-800-821-6136
Dental questions: 1-877-434-2336