Browsing: self only

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?

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?

Q. My husband works for private industry and is covered under his company’s group health plan, which is Blue Cross/Blue Shield. I am a federal employee and have been covered under the FEHB by GEHA for over 30- years. May I change to the FEHB’s Blue Cross/Blue Shield during open season even if my husband is covered under the same health insurance company? Would that be like a married couple having two separate Blue Cross/Blue Shield policies with separate deductibles, or can both my husband and I be carried under each other’s Blue Cross/Blue Shield plan?

Q. If my wife chose to retire now, at her minimum retirement age of 56 with 13 years of FERS service, would she be able to postpone her annuity until age 60?  She currently carries FEHB (self), as long as she has had it the last five years, can I pick her up under my FEHB (self+1 or family) once she retires and then when she becomes 60 she can reinstate her own self-plan at that point?

Q. I presently have self-and-family health insurance through Blue Cross-Blue Shield. I will retain family coverage for the children but want to drop my wife from coverage. Can I legally do this? She is eligible for Medicare due to disability. I am not retired. A. No, you can’t. There are only two enrollment categories in the FEHB program: self and self-and-family. You are enrolled in the latter, which means that all your eligible family members are included.

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. In 2007, my wife (FERS) and I (CSRS) were federal employees and both carried Standard Self Blue Cross/Blue Shield coverage. I retired in late 2007 and carried my Standard Self BC/BS coverage into retirement. In early 2010, my wife dropped her Standard Self BC/BS coverage, and I added her to my coverage that I changed to Standard Family BC/BS. For economic reasons, we are now thinking of both going back to Standard Self BC/BS and cannot remember why we switched to self and family in the first place. Is there a difference or advantage of one over the other…

Q. I am covered as a retiree from the Postal Service under a Federal Employees Health Benefits plan. I am also covered on a plan under my name from my late husband’s employer, from which he retired. The rules for coordination of benefits state that if you are covered under two plans in your name, the plan that you had longer would be primary. Since I retired in July, my FEHB plan changed in that it is no longer paid with pretax dollars; it is paid monthly and the premium is not the postal rate but the rate other federal…

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