This is kind of a misknowmer. Anyone who gets SS must use medicare as primary, and very seldom does their retirement package insurance come into play. They also cannot go to a doctor or hospital that does not accept medicare, so the instances of these insurance policies being used are very minimal. It all depends on whether the person is retired early, disability retired, or retired at retirement age. The first example is the only one in which a person might temporarily use a retirement benefit pkg. insurance.
That is not true. Federal employees only get Part A and have a right to reject Part B and keep their Federal Employees Health Benefits which then pays what Medicare would pay doctors.
Thanks for the info, which seems to be mostly accurate with respect to private sector retirees.