I work for the Fed Gov. If you keep your Gov Medical Insurance until you retire, you can suspend it when you retire without permanently cancelling it & have it re-instated, later if desired; but you can only cancel, not suspend, it before you retire & you can not get that coverage again. Just in case I was unhappy with Medicare & Tricare for Life, I had wanted to keep the Gov insurance (Blue Cross) open as an option and was going to wait until retirement to sign on for Medicare & Tricare for Life. I had Tricare Rx coverage since I was 60 and did not know that I had to sign up for Medicare at 65 to maintain that benefit. So if I sign up for Medicare now, I can get the Tricare Rx as well as the Tricare for Life for free (although that may change). The one downside to Medicare is just paying the Medicare premium, but I did not know if I would have to pay a penalty because I did not sign up for it when I first became eligible or for how long. I do not take medication for any chronic conditions; I do have some problems with some chronic pain related to flat feet that I can live with but really need an operation or two that I have delayed.