Blue Cross and Blue Shield after retirement


Q: I am considering retiring, but need to know whether there is a specific form I must complete in order to continue my Blue Cross and Blue Shield insurance after retirement? I have had BCBS for over 5 years.

A: No special form is required. Your coverage will continue seamlessly without your doing anything other than your checking the box confirming your eligibility on the Application for Immediate retirement: Standard Form 2801 (Civil Service Retirement System) or 3107 (Federal Employees Retirement System).


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. When I retired from the USPS in 2015, I continued BCBS Federal coverage. March 2018, I start Medicare. Will my BCBS coverage automatically stop or something I do to discontinue?

    • No, it won’t stop. And you may not want to discontinue that coverage because the combination of Medicare and BCBS (or any other FEHB plan) will substantially reduce your out-of-pocket costs.

  2. I’m a federal retiree. I opted out of my BC/BS shortly after retiring as we had insurance through my husband. He is no longer working and I want to know if we can reapply for BC B S ?

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