FEHB Life Event Changes
The Federal Employees Health Benefits (FEHB) plan is a comprehensive health insurance program that provides a range of health insurance plans to federal employees, including options for self-only, self and family, and self-plus-one coverage. The FEHB program allows specific changes for enrollment outside of the annual open season, which is the period during which federal employees can enroll in or make changes to their health insurance coverage.
Life Event Changes Included
To change your FEHB enrollment due to a life event, you must submit a request to your employing agency within 60 days of the life event. You will also need to provide supporting documentation, such as a marriage certificate or birth certificate, to verify the life event. It’s important to note that not all changes to your FEHB enrollment are allowed outside of the open season. For example, you can only change your health insurance plan or switch from self-only to self and family coverage outside of open season if you experience a qualifying life event.
Additionally, you can only make one change to your FEHB enrollment outside of the forthcoming season due to a life event per calendar year unless you experience multiple qualifying life events in the same year. Changes allowed outside of the open season due to life events include
1. Marriage or Divorce
If you get married or divorced, you can add or remove your life partner from your health insurance coverage outside the open season. You will need to provide a photocopy of your marriage or divorce certificate to your employing agency to make the change.
2. Birth or Adoption of a Child
If you have a child or adopt a child, you can add the child to your health insurance coverage outside the open season. You will need to provide a photocopy of the child’s birth certificate or adoption papers to your employing agency to make the change.
3. Loss or Gain Eligibility For Other Health Insurance Coverage
If you lose eligibility for other health insurance coverage, such as a spouse’s employer-sponsored plan, you can enroll in or change your FEHB coverage outside the open season. Similarly, if you become eligible for other health insurance coverage, you can dis-enroll from your FEHB coverage outside the open season.
4. Changes in Employment Status
If you start or end a job or change from full-time to part-time employment, you may be eligible to change your FEHB coverage outside the open season. For example, if you start a new job with a different employing agency, you may be able to enroll in the FEHB program or switch to a different plan.
5. Death of a Family Member
If a family member on your FEHB coverage dies, you can remove them from your coverage outside the open season. You will need to present a copy of the death certificate to your employing agency to make the change.
Contact Information:
Email: [email protected]
Phone: 8139269909
Bio:
For over 30-years Joe Carreno of The Retirement Advantage has been a Federal Employee Retirement System specialist (FERS) as well as a Florida Retirement System specialist (FRS) independent advocate. An affiliate of PSRE (Public Sector Retirement Educators), a Federal Contractor & Registered Vendor to the Federal Government, also an affiliate of TSP Withdrawal Consultants. We will help you understand your FERS & FRS Benefits, TSP & Florida D.R.O.P. withdrawal options in detail while recognizing & maximizing all concurrent alternatives available.Our primary goal is to guide you into retirement with no regrets; safe, predictable, stable, for life. We look forward to visiting with you.
Disclosure:
Not affiliated with the U.S. Federal Government, the State of Florida, or any government agency. The firm is not engaged in the practice of law or accounting. Always consult an attorney or tax professional regarding your specific legal or tax situation. Although we make great efforts to ensure the accuracy of the information contained herein we cannot guarantee all information is correct. Any comments regarding guarantees, safe and secure investments & guaranteed income streams or similar refer only to fixed insurance and annuity products. Fixed insurance and annuity product guarantees are subject to the claimsâ€paying ability of the issuing company. Annuities are long-term products of the insurance industry designed for retirement income. They contain some limitations, including possible withdrawal charges and a market value adjustment that could affect contract values. Annuities are not FDIC insured.
