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Frequently Asked Questions Insurance

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Divorce

  • If I lose my Spouse Equity coverage, can I enroll for TCC? View more
    You may enroll in TCC if, during the first 36 months after your marriage ended:
    • Your Spouse Equity enrollment has terminated because you no longer have a qualifying court order, or
    • you have remarried before age 55.

    You must submit a TCC election within 60 days from the date you lose Spouse Equity coverage. The TCC coverage will end 36 months from the date your marriage ended.

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  • How long does it take for my Spouse Equity application to be processed? View more
    It may take up to several months for your enrollment to take effect. If you want to continue to have health insurance in the meantime:
    • You may convert to an individual contract offered by your health plan. You may do this during the 31-day extension of coverage you obtained after losing your family member status; or
    • You may enroll under TCC provisions.

    Your Spouse Equity enrollment will take effect on the first day of the first pay period after the employing office receives your health benefits election form.

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  • Can I defer my Spouse Equity enrollment? View more
    Yes. Although you must apply within the time limit, you may enroll at any time after the employing office determines that you are eligible.
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  • Both my former spouse and I are Federal employees with FEHB coverage. Should I apply for Spouse Equity coverage? View more
    Yes, it's a good idea to apply and establish your eligibility for Spouse Equity coverage within the required time frame even if you currently have your own FEHB coverage. If you lose your FEHB coverage as an employee, you can then enroll under Spouse Equity.
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  • Must I enroll in the same plan under TCC that I was covered under as a family member? View more
    No. You can enroll in any available plan or option, and you can change plans or options during the annual Open Season or with an event that permits an enrollment change (such as when you become eligible for Medicare).
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  • Can I cancel my Spouse Equity coverage and reenroll at a later time? View more

    Generally, if you cancel your Spouse Equity enrollment, you may not reenroll. However, if you cancel because you:

    • become covered as an employee or a family member under another person's FEHB enrollment, or
    • become covered under a Medicare Advantage Plan or Medicaid,

    you may reenroll if you lose the other coverage. You must provide documentation of the other coverage when you cancel your Spouse Equity enrollment.

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  • I was covered as a family member under a former employee's TCC enrollment before my divorce. Am I eligible for TCC? View more
    Yes, as long as your marriage ended before his/her 18-month TCC eligibility period expired. Your TCC coverage ends 36 months after the date of his/her separation from service, not 36 months after the date your marriage ended.
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  • Are my children eligible for their own TCC enrollments once they lose eligibility under my TCC enrollment? View more
    No. Only the children covered under a former employee's TCC enrollment are eligible for TCC in their own right.

    When your child is no longer an eligible family member under your enrollment, he/she:

    • gets a 31-day extension of coverage, and
    • may convert to an individual contract offered by your health benefits plan,

    unless he/she loses coverage because you canceled your enrollment or didn't pay your premiums.

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  • Are my children eligible for TCC after they lose coverage under my Spouse Equity enrollment? View more
    No. Only the children covered under the enrollment of an employee, former employee, or annuitant are eligible for TCC.

    If your child loses coverage under you Spouse Equity enrollment, he/she:

    • gets a 31-day extension of coverage, and
    • may convert to an individual contract offered by your health benefits plan,

    unless he/she loses coverage because you canceled your enrollment or didn't pay your premiums.

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  • Is my family covered under my Spouse Equity Self and Family enrollment? View more

    Only you and the children born to or adopted by you and your former spouse (the Federal employee or annuitant) are covered under a Self and Family enrollment. Your child must be under age 26 or be incapable of self-support because of a mental or physical disability that existed before age 26.

    Your children cannot be covered under more than one FEHB enrollment. If your former spouse (the Federal employee or annuitant) covers the children under his/her FEHB enrollment, your Spouse Equity enrollment should be for Self Only coverage.

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