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Insurance FAQs Health

Coverage for Family Members

  • Your child age 26 or over who is incapable of self-support because of a disability that existed before age 26 may be eligible for coverage under your FEHB enrollment. For more information, please see the FEHB Handbook for Enrollees and Employing Offices.
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  • Your child is covered under your Self and Family enrollment until age 26. There is no ‘live with’ requirement other than for foster children.  If you are enrolled in an HMO, your child will only be covered for emergency care while outside the HMO’s service area.  If your child is living outside your HMO’s service area, you may want to change to an FEHB plan that provides coverage both where your child is living and where the rest of your family is living.  Your plan brochure describes your HMO’s service area.  You can download your plan brochure by clicking on your state. Foster children must live with you and meet all of the requirements below:
    • the child must be under age 26;
    • the employee must be the primary source of financial support for the child;
    • the parent-child relationship must be with the enrollee, not the child's biological parent; and
    • the employee must expect to raise the child into adulthood.
    You must sign a certification stating that your foster child meets all the requirements. Contact your agency or Retirement System for more information.
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  • 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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  • 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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  • No.  FEHB law does not permit any exclusions or waiting periods for pre-existing conditions in any plan in the FEHB Program.  This is also true if you change plans after you retire. 
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  • It depends.  If your daughter is your only eligible family member and she acquires TRICARE, you may change your FEHB enrollment to self only based on this qualifying life event.  But if you must maintain a self and family enrollment to cover other family members, you may not remove your daughter from your enrollment.  FEHB will coordinate benefits with TRICARE.
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      • A spouse, including a valid common law marriage.
      • Children under age 26 (including adopted children, recognized natural children or stepchildren (including children of same-sex domestic partners in certain states); or foster children living with tribal employee in regular parent-child relationship>
      • Children age 26 or older incapable of self-support, if disabling condition began before age 26
    Which family members are not eligible?   
      • Grandchildren, unless foster child requirements (as defined in the Handbook) are met.
      • Parents
      • Siblings
      • In-laws
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  • Family members eligible for coverage under your Self and Family enrollment are your spouse (including a valid common law marriage) and children under age 26, including legally adopted children, stepchildren (including children of same-sex domestic partners in certain states), and recognized natural (born out of wedlock) children.  Foster children are included if they live with you in a regular parent-child relationship. A child age 26 or over who is incapable of self support because of a mental or physical disability that existed before age 26 is also an eligible family member. Your employing office will look at the child’s relationship to you as the enrollee to determine whether the child is a covered family member. You cannot cover other relatives, such as your mother, even if they are otherwise considered your dependents. An employee’s agency makes enrollment eligibility decisions in accordance with the law and regulations.  Ask your Human Resources Office for help in deciding whether your circumstances meet the requirements.
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  • Yes. On June 26, 2013, the Supreme Court ruled that Section 3 of DOMA is unconstitutional. As a result of this decision, the United States Office of Personnel Management is now able to extend benefits to legally married same-sex spouses of Federal employees and annuitants.
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Total Count: 24, Number of Pages: 2, Page: 2
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