Self & Family to Self Plus One


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 new member when she’s not?

A. Here’s the good news. Because she and your father are already enrolled as annuitants, she can change to the Self Plus One option during the upcoming Federal Employees Health Benefits open season without penalty.


About Author

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


    • If you are an employee, your agency personnel office can help you do that. If you are a retiree, you should have received an Open Season mailing that told you how to do that. In any case, you can either go on-line at or call them at 1-800-332-9798.

  1. Dorothea Olson on

    I’m a retired government employee and in November 2015 I submitted a sf2809 form to change to self plus one from standard family plus one to the OPM but I have never heard back from them. Now one more question, is GEHA an insurance for vision and dental or does it cover medical and can a person change from BC/BS to GEHA and still have the same type of medical coverage as Blue Cross Blue shield.

  2. We are currently insured as self plus one. As an annuitant survior, what would my insurance coverage be and how do I change it. I am not eligible for medicare yet.

    • As an annuitant survivor, you could change your enrollment to self only when you report your spouse’s death to OPM.

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