Browsing: HEALTH INSURANCE

Q. I am still working and wanted to cancel my dental, but missed open season. I called the benefits line for my dental plan (Concordia), as I plan to retire next year and don’t want to take it into retirement. They told me that I could only cancel it during open season even then. That OPM rules do not allow it for their plan and that “retiring” is not a qualifying event. Even if my husband died, he would only be taken off the “family” plan, but I couldn’t drop it then. I am confused.

Q. I’m retiring and have been enrolled in the FEHB program for over five years. Can I stay on Blue Cross and Blue Shield’s federal coverage along with Part A Medicare for as long as I please? I’m thinking of keeping BCBS instead of Medicare Part B or any other supplemental program. Is that a good idea?

Q. I have 20 years of service at 50 years of age. I am thinking about leaving the government. I plan to defer my retirement. I understand if I do this, I will lose my health and life benefits. I also understand I would not lose them if I wait until I am 56. My question is, if I return to the government when I am 57, and retire at 60, will I be eligible to receive full retirement benefits? That would give me 23 years of service at 60.

Q. How do I suspend my health insurance coverage? I will be eligible for my Air Force Reserve Retirement (100 percent VA health care and later TRICARE), Social Security (Medicare health coverage) and my annuity as a VA Medical Center employee (FEHBP). When I become eligible for TRICARE health coverage, I desire to suspend my civilian coverage and use TRICARE as primary and Medicare as secondary.

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