Federal Retiree Eligibility

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Federal Retirees & Survivor Annuitants Eligibility

If you are a federal employee retiree or a surviving annuitant, you are eligible to continue your Federal Employee Health Benefit (FEHB) coverage into retirement at the same cost as current employees if you meet the following requirements:

  • You must be permitted to retire on an immediate annuity under a retirement system for civilian employees (including the Federal Employees Retirement System (FERS) Minimum Retirement Age (MRA) + 10 retirement)
  • You must have been continuously enrolled (or covered as a family member) in any FEHB plan(s) for the 5 years of service immediately before the date your annuity starts, or for the full period(s) of service since your first opportunity to enroll (if less than 5 years).*

MHBP’s Standard Option plan offers federal retirees the same benefits as active employees, except when you have Original Medicare (Medicare Parts A & B) as your primary coverage, you have virtually no out-of-pocket expenses.  We'll waive your MHBP cost sharing (deductible, copayments and coinsurance) and cover Medicare's deductible and coinsurance for services covered by both MHBP and Medicare.

Without Medicare you can still enjoy low out-of-pocket costs because of the affordable monthly rates, low copayments and 100% coverage for many routine services when Network providers are used.

* The 5 year requirement period can include the following: the time you are covered as a family member under another person's FEHB enrollment; or the time you are covered under the Uniformed Services Health Benefits Program (also known as TRICARE) as long as you were covered under an FEHB enrollment at the time of your retirement.

Learn more about the FEHB eligibility requirements for federal employee retirees and survivor annuitants at opm.gov or contact one of our customer service representatives to find the right MHBP coverage for you and your family.  

If you have determined that you are eligible for FEHB coverage and you would like to enroll with MHBP, please visit our How to Enroll page for instructions. 

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