Browsing: self and family

Q. I have worked for the Department of Veterans Affairs for 25 years, and I have always has Self Plus One coverage (no dependents). For several years I’ve been enrolled in the AvMed self and family health plan because it didn’t have the option for a Self Plus One plan. After realizing the increased premium, I asked human resources about it, who said OPM created a Self Plus One option in 2015. Since there is only one additional member (my spouse) who has legally used my health benefits, I am requesting a refund for the difference in premiums paid over the past…

Q. I am turning 65 in February 2016. I currently carry the FEHB BCBS plan for my family. I want to suspend my FEHB until my husband turns 65 and carry his employer s plan for the family until then. However, I can’t find that option on FEHB Form 2809 or Form RI 79-9. I have been retired for several years and need to make this change before the end of open season. Can I do this without incurring Medicare penalties or losing my right to lift the suspension and claim FEHB health benefits at a later date?

Q. I am submitting this on behalf of my mother who retired with CSRS. She is now 87 years old. She and my father have been with BCBS (Standard Option, Self & Family) since her retirement over 30 years ago. With the recent change in BCBS, where she can re-enroll as Self Plus One? She is afraid that she may lose their only health plan if she enrolls as Self Plus One. Does the standard 5 years or more still apply, or can retirees change their plans to reflect Self Plus One without penalty — the penalty being that it may look like she’s a…

Q. I was excited to see FEHB offer Self Plus One coverage for the first time. Since I am now retired with 38 years of service and have paid Self and Family for almost 35 years, my wife and I thought we might save money. But when I saw the BCBS premiums for 2016 and the difference between my Self and Family and Self Plus One, I was hugely disappointed. Why is it only about $8 less per month?

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