What Happens to My APWU Health Plan Insurance When My Child turns 26?

If your child is turning 26 soon you may need to make some insurance coverage changes.

Your child’s health insurance coverage continues for no charge for 31 days after their birthday. After that, they are not covered under your FEHB Health Benefits plan.

If your child still needs insurance coverage the Health Plan will send them a letter with instructions on how to enroll in our conversion plan insurance option. Your child can purchase a Temporary Continuation of Coverage from your current insurer or buy health insurance through the marketplace (www.heatlhcare.gov).

If you want to stay in a Self and Family Health Benefits Plan, typically insuring more than two people, you do not need to take any action.

If you want to change your health insurance plan type to cover two or less people, you need to contact your payroll office. They will be able to switch your plan type for you and reduce the premiums taken from your paycheck. The APWU Health Plan is an insurance carrier and can’t make this switch for you as it impacts your paycheck.

You can learn more about this process by visiting the OPM website https://www.opm.gov/healthcare-insurance/life-events/memy-family/my-childs-status-is-changing/.