Fehb
If you don't take the Medicare and later decide to get it it's will cost you more.
"Q. What Happens If I Don't Take Part B as Soon as I'm Eligible?
A. If you do not enroll in Medicare Part B during your initial enrollment period, you must wait for the general enrollment period (January 1- March 31 of each year) to enroll, and Part B coverage will begin the following July 1 of that year. If you wait 12 months or more, after first becoming eligible, your Part B premium will go up 10 percent for each 12 months that you could have had Part B but didn't take it. You will pay the extra 10 percent for as long as you have Part B.
If you didn't take Part B at age 65 because you were covered under FEHB as an active employee (or you were covered under your spouse's group health insurance plan and he/she was an active employee), you may sign up for Part B (generally without an increased premium) within 8 months from the time you or your spouse stop working or are no longer covered by the group plan. You also can sign up at any time while you are covered by the group plan."
I would get the part B and hope that FEHB gives you an option for a "Supplemental Pan" at a later date. I'm Military so I get Tricare as a supplemental, but under Tricare you have to take the part B coverage as primary.
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