Browsing: self-only coverage

FEHB and spousal coverage in retirement

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Q. I am enrolled in FEHB, but my wife has her insurance under her own employer. When I retire, can my wife switch her insurance to FEHB if she retires three year later and keeps her insurance with her employer until she retires? Does she need to be part of FEHB for five years before I retire?

Self versus family health insurance

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Q. I have a couple of questions about insurance plan comparisons for single and family options in retirement. For health insurance in retirement, when or should we change to two self-only plans or stay with the self and family plan in retirement? Are there any major considerations in selecting two single plans or the family plan? My wife and I, no other dependents, are CSRS retirees. We are covered by my self and family BCBS Standard 105 plan. I have been reading the plan brochure but cannot create a logical comparison of when, or if, to go with two single…

Self-only vs. self and family

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Q. I am a FERS retiree with premium deductions from my annuity for Federal Employees Health Benefits family coverage. My wife is not a federal retiree. 1. If I change to single during open season, can I change back to family coverage the next year? 2. When I die, I assume FEHB coverage will halt for her, correct? A. Yes, you can change from self-and-family coverage to self-only during any open season and change back during any open season. If you provided a survivor annuity for your wife, and you are covered by the self-and-family option when you die, she…

Changing self-only to self and family

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Q. I know one has to have Federal Employees Health Benefits for five years before one quits or retires to get this benefit. Does it have to be family coverage for five years, or can I change my self-only coverage to family in the last year before retirement? Can I change it after retirement? A. You can change from self-only to self and family and from self and family to self-only during any open season. The only requirement to carry your FEHB coverage into retirement is that you be covered continuously for the five years before you retire. Note: I…

Changing self-only to self and family

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Q. I know one has to have Federal Employees Health Benefits for five years before one quits or retires to get this benefit. Does it have to be family coverage for five years, or can I change my self-only coverage to family in the last year before retirement? Can I change it after retirement? A. You can change from self-only to self and family and from self and family to self-only during any open season. The only requirement to carry your FEHB coverage into retirement is that you be covered continuously for the five years before you retire. Note: I…

Postal Service and health insurance

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Q. My husband and I are postal employees. He is getting ready to retire after 32 years with the Postal Service, and he is 59. I am 51 and will be continuing my employment probably (God willing) for another eight years or so. We both carry self-only health insurance plans, and I was wondering if I can take him on my insurance plan before he retires and change my enrollment to self and family. If this is a possibility, he can drop his plan. I think this would save us money, as I think his insurance will go up in…

Dual coverage

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Q. My husband is a retired FERS employee and I am a current CSRS employee. I am covered as a family member under my husband’s self-and-family coverage. My husband did not elect a survivor annuity. I plan to retire the end of this year. What happens to my Federal Employees Health Benefits coverage if he dies before me? Will I be able to continue the coverage based on my own eligibility, even though he did not elect a survivor annuity? If I elect self-only coverage during the next open season, the change is not effective until Jan. 13, while any…

Marriage and health insurance changes

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Q. I’m getting married, and my husband is already 65. Can I still put him under my health insurance, or does he have to stay with Medicare? A. Yes, you can change your coverage from self only to self and family. If you are an employee, you can do that within 60 days after your change in family status under code 1C in the Table of Permissible Changes. If you are a retiree, you can do it from 31 days before through 60 days after the change under code 2B.

Self-only vs. self and family

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Q. I am currently retired (CSRS) and have single coverage under the Federal Employees Health Benefits plan. My spouse is still employed by the federal government (FERS) and has single coverage under FEHB. We were both under my family plan until our youngest child became ineligible. We then went to self-only plans because the premiums were less together than the family plan. She will be eligible for retirement in three years. She is also considering simply quitting before then and taking a deferred retirement when she is eligible. I am not covering her for spousal annuity, nor will she be covering me. We…

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