According to what I have read in NARFE magazine, the only advantage to taking Medicare B is that it would cover copays. Per NARFE, FEHP is considered good enough not to require fee if one adds Medicare B later. Medicare A is free and automatic. At least under CSRS.
Don't listen to or have any dealings with AARP, they do not like retired Feds. Join NARFE if you haven't already. Awhile back, I wrote to AARP asking them to join the fight against GPO and WPE, they repiled nastily that Feds make too much in retirement. I dropped them and have never gone back.
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