Browsing: self only

FERS MRA+10 and heath coverage

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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?

Removing a spouse from family coverage

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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.

Changing from self and family to self only

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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…

Self vs. self and family

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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…

Primary insurance

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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…

Self plus one

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Q. I noticed on the plan for Group Health Coop, the only premiums listed are for “self only” and “self and family.” As only my wife and myself are to be covered, is there a different premium for “self plus one”? I have seen this category on other policies.

Dental and vision in FEHB

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Q. I have been a federal employee for five years as a registered nurse. I am not enrolled in Federal Employees Health Benefits. I am covered under my spouse’s medical/dental health plan because it is more affordable. We both want to be covered under FEHB when I retire due to lifetime coverage. I understand I need to be continuously enrolled in FEHB for five years before retiring. Do I need to enroll in dental/vision plan, as well, or just the medical health plan. In addition, can I just choose self only?

Add spouse 5 years before retirement?

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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?

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