A former spouse cannot continue to be covered under a Federal employee's FEHB enrollment after the marriage to the employee terminates. The FEHB program provides two ways for a former spouse to elect coverage: Temporary Continuation of Coverage (TCC) and/or the Spouse Equity Act.
TCC. A former spouse who has been covered as a family member at some time during the 18 months before the marriage ends may elect to continue health insurance under FEHB for up to 36 months. The individual will be required to pay both the employee and Government shares of the premiums, plus a 2 percent charge for administrative expenses.
Spouse Equity. A former spouse is eligible to enroll in FEHB under Spouse Equity provisions if:
- The individual is divorced from a Federal employee, retiree, or former Central Intelligence Agency or Foreign Service employee during his or her employment or receipt of annuity;
- The individual was covered as a family member under an FEHB enrollment at least 1 day during the 18 months before the marriage ended. (Note: This requirement is also met when both the former spouse and the Federal employee or retiree have FEHB enrollments.);
- The individual is entitled to a portion of the Federal employee's annuity or to a former spouse survivor annuity; and
- The former spouse has not remarried before age 55.