Browsing: self-only coverage

Q. I am retiring in two months from the Bureau of Prisons with 20 years. I have always carried the health insurance for me and my wife, along with a grandchild who qualifies. My wife also works for the BOP and I am wondering if I die while carrying the insurance, will she still be able to get her own self-only insurance since she has been on mine for 20 years? A. Yes, as long as she was covered under your self-and-family option when you died and is receiving a survivor annuity.

Q. I retired in 2009 with 25 years’ service in USPS. One year before my early retirement, my husband (a current Department of Defense employee) and I changed FEHB from a self-only plan in Blue Cross to a family plan, with him carrying the insurance. We were told by Blue Cross that I had to drop my self-only plan so he could pick me upon his family plan, which we each did during open season. Unknown to me, his pay period did not begin Saturday in federal service like mine did in USPS. The bank always credited his account on…

Q. I retired last year after 30 years in CSRS. I was single, so I had self-only health insurance coverage. If I get married, could I include my wife in my health coverage plan? A. Under Code 2B of OPM’s Table of Permissible Changes, you could switch from self only to self and family coverage from 31 days before through 60 days after you married.

Q. I am a federal retiree, and my wife and I have Blue Cross/Blue Shield coverage under the Federal Employees Health Benefits plan. Should I predecease her, is she still covered under the plan? If so, does the rate drop to single, or would she need to continue paying the family rate? I ask this because a recent response states, “The only way she can continue to be covered by your FEHB plan is for you to continue being enrolled in the self-and-family option.” A. What I wrote is correct. However, were you to die while she was covered under…

Q. I am a retired FERS employee. I elected to continue my federal health insurance (family plan) as the supplemental insurance for Medicare. I did not take the supplemental (Part B) insurance that Medicare offered. If I die, can my wife continue the federal health insurance? For how long? Can she keep the federal health insurance for the rest of her life? Can she have the “single” rate on the insurance? P.S. Do you foresee any change that the health insurance carriers would drop the coverages for retirees? A. As long as she is entitled to a survivor annuity and…

Q. I have always been a single person without any dependents, but for several years I was enrolled in the Kaiser Permanente family health plan instead of the Kaiser self-only plan. After realizing this, I changed to the Kaiser self-only plan in early 2011. Since there is nobody past or present who could legally use my health benefits other than me, can I get a refund for the difference in premiums paid over the past years? A. According to the Office of Personnel Management, “It is up to the employing agency whether or not to make a retroactive correction from…

Q. I’m employed under FERS and plan to retire soon unmarried. After I am retired, I will still be covered with the FEHB single plan. If I should decide to get married later, is it possible to add my spouse to my FEHB plan and change to a family plan to bring her under my coverage? Are there any prerequisites or approval steps for her in order to add her to give her coverage, as well? A. Yes, you could change from self-only coverage to self and family under code 2B in the Office of Personnel Management’s Table of Permissible Changes…

Q. I am a federal employee under CSRS in the Federal Employees Health Benefits program. I signed up for Medicare Part B when I turned 65 so as to avoid the 10 percent annual penalty. But after paying for seven months, I dropped out of Part B because I was told I didn’t need to buy it if I had group coverage. I called Medicare and this was confirmed, though I may not have said I was retired but just that I was in FEHB. My wife is two years younger than I, so I had to retain the FEHB coverage until April…

Q. My spouse turns 65 this year and will be eligible for Medicare. She currently is listed as my dependent in the Federal Employees Health Benefits plan. Because the federal government does not offer a husband/wife option in FEHB plans, could I drop her from my current FEHB and use her Medicare as primary and purchase a supplement on my own and change my FEHB status to single until I retire? I believe the overall cost would be less and most likely be to our advantage, with no more networks to deal with. A. You are making assumptions that may…

Q. The Office of Personnel Management website is unclear to a couple of us potential Civil Service Retirement System retirees as to whether a nonfederal spouse, not covered by a Federal Employees Health Benefits policy, can receive coverage by the federal annuitant changing from single coverage to a family plan during an open season after the federal spouse retires. For example, assume a federal employee currently covered by an FEHB Kaiser Permanente plan has a nonfederally employed wife (currently covered by a Kaiser Permanente single-only health plan though her employer). The federal employee retires Sept. 3, 2011. After he retires, can…