Q. I am a federal employee under CSRS. I carried health insurance from October 1982 until 1990 and then canceled due to being put under my spouse’s (nonfederal) health insurance. Can I use any of those years of health coverage as part of my five years of health coverage needed prior to retirement? If I retire now, do I qualify as having health benefits for five years? I have been under federal health insurance going on three years now.
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Q. I am a retired federal employee, 63 years old with Blue Cross/Blue Shield standard option health insurance. When I start receiving Medicare in two years, should I keep the standard option or switch to basic option Blue Cross? What are the pros and cons of each when combined with Medicare?
Q. I am a federal worker with 30 years of service. During the entire time, except for two years, I have had Tricare insurance. When I retire, must I have had federal insurance to qualify for insurance from the federal government. If yes, for how long before retirement?
Q. My husband is a retired federal employee. I am covered under his Care First, Blue Cross/Blue Shield Federal Employee Plan insurance. I will turn 65 in a few months and he is 66. Will we be able to get Medicare without his premiums increasing?
Q. I am 55 with 36 years of federal employment, including two one-year breaks in service. The last break was in 1985. I withdrew the funds I had paid into CSRS each time I broke service and have repaid a minimal amount of it. I thought I would be one of those people who worked forever; however, I have a progressively degenerative medical condition and likely will not be able to work more than another year at the most. I am totally ignorant about retirement and to what benefits I am entitled. For example, will my pension benefits be reduced…
Q. I am 64, under CSRS, and my wife is 55, under FERS. I am the subscriber for FEHB. If I retire, would it be advantageous to have her carry health insurance for our family, or should I just continue with things as they are?
Q. I am a CSRS employee. I understand that to continue my wife under my Federal Employee Health Benefits, I must elect a survivor benefit of at least $1. My medical insurance payments will, of course, be taken out of my monthly annuity. Will she be able to continue these payments at the same rate if I die before she does?
Q. Will I still be able to keep my FEHB coverage at the employee rate with 20 years of service under FERS if I leave federal service at age 59? Do I have to wait until age 62 to get my full annuity with 20 years of service under FERS ?
Q. I am a CSRS retiree. I retired in 2005. I am a subscriber to the Federal Employee Health Benefits program, specifically Blue Cross-Blue Shield’s Standard Option with family coverage. My wife and I are also qualified for Medicare Parts A and B. That makes Medicare the primary coverage and FEHB/BC-BS the secondary coverage for any health benefits paid. 1. What (if any) changes in the plan’s coverages are anticipated for 2014 and beyond, due to the health care law? 2. Does OPM anticipate that current retirees/program members will be forced into a health care provider’s coverage offered under the…
Q. I now have 2½ years of government service and am 66. When I retire in 2½ years, I’ll have five years with the government. Will I get the option to retain my Federal Blue Cross/Blue Shield of Alabama health insurance? If I would rather quit working for the government in one year, do I lose the opportunity to keep my federal BC/BS of Alabama coverage? I have total time in government employment today of only three years. I am contemplating quitting next year. What is the impact to my federal BC/BS insurance coverage? I signed up for Medicare Part…