Retiring Soon? Here’s What Happens to Your FEHB Health Insurance

Health insurance is one of the biggest concerns for federal employees approaching retirement—but what if the process is simpler than you think?

In this episode, Rayna Reyes breaks down what really happens to your Federal Employees Health Benefits (FEHB) when you retire. From the “5-year rule” to how premiums are handled, Rayna explains why many retirees don’t actually need to take any action at all.

She also clears up confusion around recent notices about premium payments, explains when you might receive a bill (and when you can ignore it), and highlights important differences when it comes to dental and vision coverage.

Plus, Rayna covers what happens to your spouse’s coverage, the role of survivor benefits, and how open enrollment continues even after you retire.

If you’re planning your federal retirement and wondering what happens to your healthcare, this episode will give you clarity—and peace of mind.

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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.