If you are a retired uniformed service member who is newly eligible to enroll in FEDVIP for the 2019 plan year, you may enroll yourself in a FEDVIP plan during open season, and add your eligible family members (if applicable). If you did not enroll during open season due to circumstances beyond your control, you may still be able to enroll.
Or, since your spouse is already enrolled in FEDVIP, you may have your spouse add you as a dependent to his or her FEDVIP plan, if he or she has not already done so. You must do one or the other; you can't have dual coverage under FEDVIP. If it is determined that you or any of your eligible family members are covered under more than one FEDVIP plan, one of the enrollments will be canceled.
If you are trying to decide how you should enroll in FEDVIP, here are a few differences based on laws and regulations between the two eligibility groups:
Federal or U.S. Postal Service
- Employees and annuitants are eligible for dental and vision coverage.
- Premiums are paid pre-tax for employees.
- Dependent children are covered until age 22.
- Most retirees are eligible for dental coverage.
- Most retirees and active duty family members are eligible for vision coverage, if enrolled in a TRICARE health plan.
- Active duty uniformed service members are not eligible for dental and vision coverage.
- Premiums are paid post-tax.
- Dependent children are covered until age 21 (non-students) or 23 (full-time students).
It is important to note that, even with these differences, FEDVIP plans and premiums are the same for all eligible groups. They may only vary based on the region where you live or plan you select, not your eligibility.