FEHB

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Q. My husband will be 64 years old in a couple of weeks. He is CSRS. I have health insurance under my husband’s coverage. We are concerned because we do not know what will happen to me once he goes under Medicare because of his age. Also, what will happen to my insurance coverage after he retires in a couple of years? Will I lose my coverage once Medicare takes over? Also, if I still qualify for health insurance, will it be at a more expensive price?

A. Unless your husband cancels his FEHB enrollment, the two of you will continue to be covered by it both before and after he retires. Unless he works for the U.S. Postal Service, the cost for that coverage will be the same as it was while he was an employee. The fact that he will be covered by Medicare Part A at no cost to himself only means that his out-of-pocket cost for certain covered benefits will be reduced. While he could enroll in Medicare Part B, he would have to pay the additional premiums for that benefit. Unless he has special medical needs, the National Association for Active and Retired Federal Employees generally recommends that federal retirees not sign up for Part B.

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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.

2 Comments

  1. Once her husband is Medicare age and is still a Federal employee, FEHB is primary insurance and Medicare is secondary. She is still covered unless he changes to a self-only policy. Once he retires, Medicare is primary and FEHB is secondary. Again, she is still covered unless he changes to a self-only policy. He definitely needs to not cancel his FEHB, or he won’t be eligible to keep it when he retires, as you must be covered for the 5 years immediately preceding retirement.

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