Federal Employee Benefits Coordination Made Simple

If you’re a federal or postal employee, here’s a question worth asking:

Are your benefits working together—or costing you money?

Federal employee benefits coordination means more than filling out forms and choosing a health plan. It’s about making sure every benefit you’ve earned—like FEHB, TSP, Medicare, and even your life insurance—works in sync to give you the most protection and income, with no gaps or surprises.

At The Benefit Coordinators, we’ve walked thousands of federal employees through this process, and we’ve seen the same problems again and again. That’s why this guide exists: to help you understand how to coordinate your benefits the right way before it’s too late.

What Is Federal Employee Benefits Coordination?

Coordination simply means your benefits don’t overlap, contradict each other, or fall through the cracks. You want them all pointed in the same direction—toward your future.

When done correctly, it can:

• Maximize your TSP growth

• Lower your out-of-pocket healthcare costs

• Protect your survivors

• Help you avoid expensive mistakes at retirement

Let’s break it down with the biggest concern we hear every day: Medicare and FEHB.

FEHB and Medicare: What You Need to Know

One of the most common questions federal retirees ask is:

“Should I keep my FEHB if I get Medicare?”

Here’s the simple answer: Yes. And here’s why.

FEHB and Medicare work well together. FEHB helps cover what Medicare doesn’t. But timing matters. Missing a deadline or choosing the wrong path could cost you hundreds each month.

A benefits coordinator can help you file the right forms, compare your plans, and avoid delays with OPM that can hold up your annuity.

TSP Mistakes That Cost Retirees Thousands

Your Thrift Savings Plan (TSP) is more than just an account—it’s one of the biggest tools in your retirement toolbelt. But if you don’t manage it with your other benefits in mind, it can turn into a tax trap.

Common mistakes we see:

Postal employees take note: USPS does not match any outside retirement accounts. Your TSP is your match. It’s up to you to make it count.

2026 Open Season Checklist for Federal and Postal Employees

Open Season Dates: November 10 – December 8, 2025

Here’s what you need to review this year:

How a Benefits Coordinator Helps You

Let’s face it—OPM paperwork, TSP decisions, and Medicare rules aren’t fun. Most people don’t get it right the first time.

That’s why we do what we do. Here’s what makes us different:

• We’ve helped over 4,200 federal and postal employees since 2018

• No cost to you — we’re funded by unions, associations, or agencies

• We file OPM forms for you — no more guessing

• We understand postal-specific plans — including NALC, APWU, NAPUS, and PSHB

• We give you a clear path forward — not a pile of PDFs

Here’s what Sandra T., a USPS Letter Carrier from Ohio, had to say:

“I was drowning in FERS paperwork. They handled everything in 10 days. I now understand what I’m getting, when I’m getting it, and what my family will get if something happens to me.”

You don’t have to do this alone. You just have to take the first step.

Your Next Step: Let’s Get This Handled

Federal employee benefits coordination isn’t about “one size fits all.” It’s about what’s right for you.

If you’re:

• Within 5 years of retirement

• Over age 64 and thinking about Medicare

• Unsure if your survivors are protected

• Managing your benefits without confidence

…then now’s the time to act.

Book your Free 1-on-1 Coordination Review

We’ll help you get your benefits lined up, your questions answered, and your paperwork right—the first time.