Browsing: Open season

Q. My wife and I were both career federal employees. She left federal service a few years ago with FERS MRA+10. She postponed retirement until now to avoid the penalty. Just before leaving service, I changed my Federal Employees Health Benefits coverage from self only to self and family to cover her. She then terminated her coverage (had been covered more than five years continuously prior to that). When she starts retirement, she can enroll in FEHB self-only coverage. Can I also change my coverage to self-only at that time? Is her eligibility to continue FEHB coverage a qualifying life…

Q. I am a retired letter carrier. My wife has been on my Federal Employees Health Benefits since my retirement four years ago. She is enrolled in a graduate program and receives health insurance through her university. Can I drop her from my health insurance while she is covered by the university and then add her again when she graduates?

Q. I am a federal employee with federal health insurance but no vision or dental insurance. I’m covered under my husband’s nonfederal vision and dental. He plans to retire in 2014. At that time, I plan to add him to my health insurance, which I have had for over five years. Can I wait to elect the federal vision and dental insurance at that time, or must I elect them during the current open season to avoid loss of coverage if my husband retires before the next open season?

Q. I was a federal law enforcement officer who retired this year under CSRS. My wife is a federal employee who will work six or seven more years. We have Blue Cross/Blue Shield-Fed as our health plan. The premiums have always been paid out of my salary. Would it be most beneficial for us to have the health coverage premiums made from my annuity or from my spouse’s salary. Would there be any negatives to having those premiums made from my spouse’s salary?

Q. I am 50 years old and have worked for the Department of the Navy for 25 years under FERS. The last five years of my career has been part time (20 hours per week). My wife has also worked for the Navy for 12 years (full time under FERS) and provides our Federal Employee Health Benefits family plan coverage. I have been covered by an FEHB plan consecutively for over 25 years. If I were offered early retirement, could I pick up the FEHB family plan coverage and carry it into retirement with me? If not, why not?

Q. I am a federal employee under CSRS enrolled in the Federal Employees Health Benefits program with self-and-family coverage for myself, my wife and my daughter (under age 26). We have been covered under the FEHB program for more than five years. My wife is also a federal employee under FERS. We also have FEDVIP vision plan coverage. I may retire next year, which will be three years or so before my wife retires. In view of the fact that as a retiree, my FEHB premiums would no longer be deducted pretax, I am considering canceling my enrollment and having…

Q. I am a Postal Service employee under FERS. I am covered under a Federal Employees Health Benefits self-only plan. My wife works in the private sector and carries her own self-only coverage. I plan to retire in six years, and I know I need to be insured for five years prior. My wife cannot carry her insurance into her retirement. Do I need to carry her on my policy for five years before I retire or can I add her nearer to my retirement date?

Q. We have Federal Employees Health Benefits coverage. My husband hopes to retire within five years, and we are thinking of adding dental coverage during this open season. He understands that any change in coverage will jeopardize our carrying health coverage into retirement. Please explain how changes in coverage affect coverage in retirement.

Q. My husband recently retired under FERS. He has the Federal Employees Health Benefits family plan. I am still working and will be for at least another 10 years under FERS. If I pick up the FEHB in open season, will he be able to switch back to FEHB once the kids reach 26 and are off our health plan, so both of us could pick up single coverage (if it’s cost advantageous at that time)? Will the switch in primary recipient be considered a cancellation on his part so that he can’t re-enroll in the future, or will my…

Q. My husband and I are employed with different federal agencies. He is with the Veterans Affairs Department, and I am with the Defense Department. He has covered me under a family plan for the past 10 years. We are both preparing for retirement next year. Our daughter turned 27 this year and is no longer eligible for coverage under the family plan. So it is cheaper for each of us to elect our own self insurance plans, rather than for him to continue the family plan. If I elect a self plan this open season, and then retire next…

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