While federal employees are accustomed to how and when they generally may change their Federal Employees Health Benefits coverage, different considerations apply for retirees. As with active employees, retirees may change their enrollment during the annual open season running from mid-November through mid-December. But there are other opportunities for changing coverage as well, including:

  • you are changing to self-only coverage from family coverage;

  • you are changing plans because you have moved out of the service area of your health maintenance organization;

  • you turned 65 and are changing to a lower cost plan option because you are eligible for Medicare;

  • you are changing to family coverage because you marry, or have or adopt a child. (This option is not available to survivors.)

Another important difference is that while active employees typically deal with their personnel offices