Continue self-and family plan?


Q. I am a retired federal worker and have been on Medicare for two years. My wife is turning 65 this month. Until now, we have kept our health insurance with Blue Cross/Blue Shield since my wife did not qualify for Medicare. During the last two years, we have continued to pay the full price for family coverage since my wife needed health insurance.

1. Can we continue to keep the family coverage, group plan (as we have for almost 40 years), or are we forced to look for a supplemental plan?

2. Will my wife continue to be covered under the BCBS group plan after she turns 65? We have not investigated supplemental plans.

A. Yes, you can continue to keep your FEHB self-and-family coverage, and your wife will continue to be covered by that plan after she turns 65.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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