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Frequently Asked Questions Insurance

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Coverage for Family Members

  • When does an adopted or foster child's FEHB coverage stop? View more
    For an adopted child, FEHB coverage ends when the child reaches age 26.  Health benefits can continue after age 26 if the child is incapable of self-support because of a mental or physical disability that existed before age 26. Contact your employing office for information on how to continue coverage in such cases. For a foster child, health benefits stop when any one of the following requirements is no longer met:
    • the child must be under age 26 (if the child is over age 26, he/she must be incapable of self support due to a disability that existed before age 26);
    • the child must currently live with you;
    • the parent-child relationship must be with you, not the child's biological parent;
    • you must currently be the primary source of financial support for the child; and
    • you must expect to raise the child to adulthood.
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  • My child is in college. How long can my child stay covered under my FEHB enrollment? View more
    Your child can be covered under your Self and Family enrollment until he/she turns age 26. There is no requirement that your child attend college to be covered under your Self and Family enrollment.
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  • Does “children incapable of self-support" include college students who are not supporting themselves? View more
    No.  For your child age 26 or over to be covered under your FEHB Self and Family enrollment, he/she must be incapable of self-support because of a mental or physical disability that existed before the child reached age 26. For your child age 22 or over to be covered under your FEDVIP Self and Family enrollment, he/she must be incapable of self-support because of a mental or physical disability that existed before the child reached age 22.
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  • Can I switch to a “Self Plus One” enrollment with my FEHB health insurance? View more
    No. Federal law permits you to choose between two options: a Self Only enrollment or a Self and Family enrollment. Other coverage types such as Self and Spouse, Self and One Child (or two children, three children, etc.), and Self Plus One are not permitted under Federal Employees Health Benefits (FEHB) law.
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  • When my youngest child turns age 26 and only my spouse and I are covered under my Self and Family enrollment, will my FEHB premiums decrease? Can I switch to a “Self Plus One” enrollment? View more
    Your plan's premiums will not decrease due to your family getting smaller, just as the premiums did not increase because you added children and your family grew. Federal law permits you to choose between two options: a Self Only enrollment or a Self and Family enrollment. Other coverage types such as Self and Spouse, Self and One Child (or two children, three children, etc.), and Self Plus One are not permitted under Federal Employees Health Benefits (FEHB) law.
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