Survivor annuity and health insurance

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Q. I am retired and have medical family plan 105 Blue Cross/Blue Shield insurance. My husband turns 65 in December and will be on Medicare. I understand I can keep his coverage under my health insurance along with his Medicare Plan. If I should die, is he still covered under this insurance?

A. Yes, but only if you have elected a survivor annuity for him.

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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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