 Welcome FEHB members. You probably have questions about Medicare and how it works with your federal health benefits. This video will explain what you need to know and how to sign up for better benefits. We'll cover the Medicare basics, how your federal health insurance benefits work with Kaiser Permanente Medicare Health Plan coverage, and finally how to sign up. Let's start with the basics of Medicare. Medicare is a federally funded national health insurance program administered by the Centers for Medicare and Medicaid Services. You're eligible for Medicare if you are 65 or older, under 65 and disabled, or if you're diagnosed with end-stage renal disease. Medicare has four parts A, B, C, and D. Part A is usually free if you or your spouse paid Medicare taxes for at least 10 years. Part B covers doctor services and more. Most people pay a standard premium to the federal government. This amount could be higher based on your income. If you don't enroll in Part B when you're first eligible, your premium may increase 10% for each 12-month period you decline coverage. However, if you or your spouse keeps working, you may be able to delay your Part B enrollment without a penalty. Part C is Medicare coverage provided by a private insurance plan, like Kaiser Permanente. And finally, Part D is Medicare's prescription drug coverage. So, now let's cover how our Medicare Advantage Health Plan works with your current FEHB coverage. You must be a Kaiser Permanente FEHB member to enroll in Kaiser Permanente Senior Advantage HMO for federal members. If you're eligible, when you turn 65, you can enroll in Medicare Parts A and B, and then enroll in Kaiser Permanente Senior Advantage for federal members. When you do, your coverage and benefits get better than the ones you get with the FEHB option you have now. Did you know you can increase your coverage without increasing your FEHB premium? With Senior Advantage, you get better benefits than you get with just your FEHB benefits alone. If you enroll in Senior Advantage, you'll get our lowest co-pays available to FEHB members and more. Now let's look at a side-by-side comparison on this chart. The benefits that members get by enrolling in Senior Advantage for federal members are summarized here. We've highlighted the benefits that are better when you enroll in Senior Advantage. If you're an FEHB basic option member, you can get better benefits as well. You'll find a more detailed side-by-side benefit comparison on this webpage. Just download your 2017 guide to choosing a Kaiser Permanente Medicare Health Plan. This guide will describe the better benefits you get by enrolling in Senior Advantage for federal members. Now let's talk about how to sign up. Step 1. You'll need to have Parts A and B to enroll in Senior Advantage for federal members. Some of you may already be enrolled in Medicare. If so, you'll have the red, white, and blue card shown here. If you need to enroll in Medicare, apply online at socialsecurity.gov. You may also visit or call your local Social Security office. Step 2. Enroll in Senior Advantage for federal members. Complete the group election request form. Mail it back in the envelope found in your enrollment kit. With Senior Advantage for federal members, you can count on high marks from Medicare and JD Power. And remember, as a member of Kaiser Permanente's Medicare Health Plan, you'll continue to enjoy great value and high quality care, your choice of Kaiser Permanente doctors, connected personalized care that works together for you, a full range of specialists, many convenient services, often in the same location, and online programs that save you time. Plus, care from a highly rated Medicare Health Plan in the state. Thank you for viewing this video. If you have questions, feel free to give us a call. We're happy to help you understand some of the great options you have for enhancing your federal employee's health benefits coverage.