Q. I am a FERS retiree and I just went back to work as a contractor. They are telling me that I have to purchase their insurance because BCBS is not an employer health care program. I told them I’m retired and have BCBS for life and pay premiums. If I have to pay for their company insurance, I will be paying over $600 a month in premiums. Is there anything I can do about this?
A. Non-federal employers can establish their own rules for health benefits coverage. Perhaps yours can be persuaded that their health benefits coverage isn’t needed by showing them the benefits you are already entitled to. You can find those for the Standard Plan at http://www.fepblue.org/benefit-plans/so-benefit-tables. If that doesn’t sway them, you’re stuck.