Q. I am FERS and eligible to keep my medical insurance after retirement. Do I need to enroll my husband before retirement in order for him to qualify, or can I enroll him at an open season after retirement if insurance is needed? By the same token, if he is enrolled before I retire, can I take him off my plan at open season after retirement if he no longer needs insurance?
Browsing: HEALTH INSURANCE
Q. I have a friend who retired from civil service in 2012, who was 66 and passed away unexpectedly. I am trying to find out who his wife can contact to receive his insurance policy. I ,too, am a retiree and am not aware of who my wife should contact in the case of my death.
Q. I am a retired U.S. Postal Service employee. I work another job full time but maintain my federal Blue Cross Blue Shield coverage. I am now married, effective with the same-sex marriage law. My spouse, who is 70, also works full time and has BCBS through his employment. When he retires, can I add him to my insurance as he does not have any health insurance benefit other than Medicare? What would be the cost? Would/could we both have Medicare and BCBS?
From Nov. 11 through Dec. 9, employees, retirees, and survivors who are enrolled in the Federal Employees Health Benefits (FEHB) program can once again take advantage of their annual opportunity to decide which health benefits plan or option they want to be covered by in the next calendar year. And employees who aren’t already enrolled will have a chance to sign up.
Q. Why does anybody sign up for Part B? For me, I could be wasting over $2,000 a year if I sign up for Part B, and it would be helpful to know why anybody would do that. It’s the “to B or not to B” question.
Q. I’m a CSRS retiree and with Kaiser Permanente. I signed up with Medicare and received my card from Social Security saying I’m covered under parts A and B. I just sent in my first check for $345 for September, October and November. Do I still pay Kaiser the $120 a month for health care, or will that monthly withdrawal stop automatically from my retirement check? If not, who do I call to stop this payment?
Q. I am a rural carrier planning on retiring from the U.S. Postal Service next year. What is the approximate cost of carrying on with my health insurance for my husband and I? This cost could greatly affect my decision to retire.
What happens to your Federal Employees Health Benefits program coverage if you accept an early retirement offer? It all depends. The law originally stated that an employee had to be enrolled in the FEHB program for the five years of service immediately before retirement or from that employee’s first opportunity to enroll. Later Congress granted the Office of Personnel Management limited authority to waive the five-year requirement, and only where it would be against equity and good conscience not to do so. The requirement then was broadened so that OPM can pre-approve waivers for employees retiring under the Voluntary Separation…
Q. I am hoping to leave service at 59 years old with 25 years of service. I was planning to postpone my annuity start date until I was 60. My understanding is if I postpone and do not defer my annuity, I could resume as if I just left service. I would be entitled to health insurance and my supplement until age 62; if I deferred I would be ineligible for either. I believe the words “postpone” and “defer” are not the same, though are similar in meaning. Do I need to meet my minimum retirement age to qualify for a postponed retirement?