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Federal Retirees


For those approaching retirement as well as the currently already retired, here is a forum to share ideas and thoughts and exchange questions and answers.


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Boomer4u  
#1 Posted : Monday, December 2, 2019 4:02:43 PM(UTC)

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Trying to change from Rural Carrier Benefit plan Self +1, to GEHA two each Self only plans. The system doesn't recognize me as having FEHB coverage. I was/am covered under my wife's Rural Carrier plan both before and after retirement continously 5 years etc. I've Faxed in the SF2809s to Retirement services as the FEHB group says they have to "verify" coverage/eligibility. Can't do it online, etc. How do you know the change will go through, seems like a crap shoot. Also, her retirement won't cover the new Rural Carrier plans cost, hence why we are changing. I also faxed a letter saying if eligibility is in question to change us to the Self +1 GEHA plan. Just seems like a "Goat Rope". Plus we'll be on a cruise come Jan 4th so no way of knowing if this will take affect. Seems like the "system" should recognize a retired federal employee that is covered under the spouses plan. Any insight?
postalvet  
#2 Posted : Wednesday, December 4, 2019 8:20:55 PM(UTC)
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Originally Posted by: Boomer4u Go to Quoted Post
Trying to change from Rural Carrier Benefit plan Self +1, to GEHA two each Self only plans. The system doesn't recognize me as having FEHB coverage. I was/am covered under my wife's Rural Carrier plan both before and after retirement continously 5 years etc. I've Faxed in the SF2809s to Retirement services as the FEHB group says they have to "verify" coverage/eligibility. Can't do it online, etc. How do you know the change will go through, seems like a crap shoot. Also, her retirement won't cover the new Rural Carrier plans cost, hence why we are changing. I also faxed a letter saying if eligibility is in question to change us to the Self +1 GEHA plan. Just seems like a "Goat Rope". Plus we'll be on a cruise come Jan 4th so no way of knowing if this will take affect. Seems like the "system" should recognize a retired federal employee that is covered under the spouses plan. Any insight?


you have to have your wife do it for you as you do not have your own plan.
Postal employee (retired) 38 yrs who helps even if some do not believe me! I was a Steward, officer & trouble maker. Just Sayin'
Raoul  
#3 Posted : Thursday, December 5, 2019 11:10:23 AM(UTC)

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Something is not passing the sniff test.
You say you have been covered for five years and you are retired.
Self +1 won't be five years old until Dec 31st this year. The first date to enroll was Jan 2015.

The rules state you must have insurance for five years by retirement to continue or otherwise be covered by another employee.
How did you come to be in a Self +1 in the first place when it is more expensive than two Self Plans?
Retired July 2011
Boomer4u  
#4 Posted : Thursday, December 5, 2019 11:18:16 AM(UTC)

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Continuous coverage for all my Federal service, just under my wife's plan for the last 5 years, didn't say Self+1 for 5 years. Reading is hard, but thanks for the helpful comment.
GSBS  
#5 Posted : Wednesday, December 18, 2019 10:37:49 AM(UTC)
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Originally Posted by: Raoul Go to Quoted Post


The rules state you must have insurance for five years by retirement to continue or otherwise be covered by another employee.
Is that really what the rules say?

Boomer4u  
#6 Posted : Wednesday, December 18, 2019 12:27:49 PM(UTC)

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That's correct, must be covered continuously for the 5 years before retirement.

So, I called on the last day of open season and finally spoke to a knowledgeable person. They said it could take up to 3 months to finalize my individual coverage, and it would be prudent to go to Self +1 during that time. After that they supposedly would correct any $$ difference and we would then have individual "self-only" plans. 3 months for a retired employee, you would think the records would be linked or show coverage eligible at retirement...that's government at its' best.
TheRealOrange  
#7 Posted : Thursday, December 19, 2019 6:33:31 AM(UTC)
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Originally Posted by: GSBS Go to Quoted Post
Originally Posted by: Raoul Go to Quoted Post
The rules state you must have insurance for five years by retirement to continue or otherwise be covered by another employee.
Is that really what the rules say?

Yes. Here is the information from OPM:

FEHB for Retirees and Survivor Annuitants

Federal retirees and their surviving spouses retain their eligibility for FEHB health coverage at the same cost as current employees. In order to carry your FEHB coverage into retirement, you must be entitled to retire on an immediate annuity under a retirement system for civilian employees (including the Federal Employees Retirement System (FERS) Minimum Retirement Age (MRA) + 10 retirement); and you must have been continuously enrolled (or covered as a family member) in any FEHB plan(s) for the 5 years of service immediately before the date your annuity starts, or for the full period(s) of service since your first opportunity to enroll (if less than 5 years). The 5 year requirement period can include the following: the time you are covered as a family member under another person's FEHB enrollment; or the time you are covered under the Uniformed Services Health Benefits Program (also known as TRICARE) as long as you were covered under an FEHB enrollment at the time of your retirement.

Emphasis added.
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