Self to family coverage


Q. The Office of Personnel Management website is unclear to a couple of us potential Civil Service Retirement System retirees as to whether a nonfederal spouse, not covered by a Federal Employees Health Benefits policy, can receive coverage by the federal annuitant changing from single coverage to a family plan during an open season after the federal spouse retires.

For example, assume a federal employee currently covered by an FEHB Kaiser Permanente plan has a nonfederally employed wife (currently covered by a Kaiser Permanente single-only health plan though her employer). The federal employee retires Sept. 3, 2011. After he retires, can he convert from a single health policy to an FEHB family plan to add coverage for his spouse (who would then drop her separate, single coverage) during the November 2011 open season or during the November 2012 open season?

A. Yes, a retiree can move from self-only coverage to self and family during any open season. See Code 2A in OPM’s Table of Permissible Changes in FEHB Enrollment for Annuitants and Compensationers.


About Author

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

1 Comment

  1. Basically the faster we start reforming these perks and flushing out this corruption, the better chance we have at gaining ground in what appears to be a war waged against the common american working class. Billion dollar campaigns while we have starving people in america? Extending unemployment so nobody can see the length of the breadlines that would be wrapping for miles around the centers of every major city?.

    For such great service (ignoring obvious oath violations on every level for one), we should surely not allow the government employees to have such a horrible health plan. Instead Congress and the rest of the breadwinners should be allowed to at least have the plan they are “allowing” us to have. I mean, it’s only fair right? They wouldn’t give us something that they don’t want. Oh wait, they opted out of the care they voted everyone else in on before the big 1400 pages of industry takeover was even passed.

    Better than us:

    NON-PUBLIC SUPER Healthcare plan that is good for life
    Retirement at the same wage or higher for life
    Annual Salary above 98% of americans
    University Benefits
    Family Benefits including healthcare, dental etc on the same superplan as themselves, for life.
    Salary increase once retiring for life.

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