FEHB & family vs. dual self-only coverage


Q. My husband and I are both retired annuitants on CSRS. We have always had FEHB Self and Family coverage, with him as primary member. It may be cheaper for us to each opt for Self Only coverage this coming open season. Since I have always been covered under his plan, how do we go about changing  plans? Is there a way to ensure that I will be covered on my own before we change his option?

A. You can find out how to make the change by going to http://opm.gov/insure/health/planinfro/enroll.asp#annuitants. Since the changes will occur simultaneously, he cannot remain enrolled in the self and family option until you are confirmed as enrolled in self only. FYI. While it may cost less in premiums for the two of you to enroll separately, don’t forget that you will each have separate co-insurances, deductibles and catastrophic insurance limits.


About Author

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

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