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financial planning Medicare choices for federal retirees and Veterans by Gary flooring Medicare began in 1965 as a government health insurance program to assist senior citizens with medical services and treatment the program pays for approximately 80 percent of medical bills for those 65 and over and individuals under 65 with certain disabilities federal government employees and retirees and or military veterans have their own separate health insurance programs which cover more than Medicare the civilian program is the federal employees health benefits program veterans under 65 without Medicare have Tricare and Veterans over 65 enrolled in Medicare part A and B are eligible for Tricare for life health care options while tfl requires veterans 65 and over to be enrolled in two Medicare A and B enrollment is optional for federal civilian retirees since fehb provides very generous Comprehensive Health Insurance the question arises why should retirees enroll in Medicare if theyre fehb cove