Change in spouse coverage


Q. I am married to a retired federal employee. I have been covered on her health insurance for well over five years. She’s getting ready to have Medicare as her primary insurance and Blue Cross/Blue Shield (FEP) as her secondary coverage. Will this change anything for me on my BC/BS coverage? Will I still have the same coverage although my wife’s BC/BS is her secondary coverage?

A. There wouldn’t be any change until you are covered by Medicare. When that happens, Medicare will be primary for you, too.


About Author

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

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