Can my son be covered under FEHB and also spouse’s private insurance?


Myself and my family have been under an FEHB plan (Aetna) for years. My son needs speech services at a provider who is in network for Kaiser only. I wanted to add Kaiser but realized we can only be covered under one FEHB plan which I don’t understand but ok. My question is: can my husband enroll in Kaiser with his private employer so that we are covered by both my FEHB plan and his private plan?

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Posted by (Questions: 1, Answers: 0)
Asked on November 18, 2019 8:48 pm
Private answer

As a federal employee, you can only have coverage under one plan as you are the only eligible person to elect health insurnace. If your husband was a federal employee and you elected to have two self only policies, you could each select a different plan. Since you wish to remain under your federal Aetna plan and he has the ability to elect health insurance through his private employer, yes, you can be covered by both. Please be aware, he will be primary on his plan and you will be secondary on his plan. Likewise, you will be primary on your plan and he will be secondary on your plan. When it comes to your child or children there are other rules that apply. There is something called the birthday rule. This rule determines whether a plan is primary or secondary for a dependent child who is covered by both parents’ benefit plans and those parents live together. The plan covering the parent whose birthday (month and day only) falls first in a calendar year provides primary coverage for the child. If both parents have the same birthday, then the plan that has been in effect the longest pays as primary. So, if your birthday has an earlier month/day that your husband’s, then the child will be primary on your Aetna and not his on Kaiser.

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Posted by (Questions: 0, Answers: 594)
Answered on November 18, 2019 10:01 pm