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If you participate in premium conversion, you may cancel your enrollment:
Example
LaTonya gets married, and since her husband's company provides health insurance for a spouse, she wants to cancel her FEHB enrollment. She can make this enrollment change outside of Open Season since it is consistent with and corresponds to her qualifying life event (marriage).
If you do not participate in premium conversion, you may cancel your enrollment at any time.
Your cancellation becomes effective on the last day of the pay period in which your employing office receives your Health Benefits Election Form (SF 2809) or other enrollment request. When you cancel your enrollment, you are not eligible for the 31-day extension of coverage and you can't convert your coverage to an individual policy.
If your temporary continuation of coverage (TCC) or spouse equity enrollment ends because you didn't pay the premiums, it is considered to be a voluntary cancellation.
When you cancel your enrollment, your family members' coverage terminates at midnight of the day that your cancellation is effective, with no 31-day extension of coverage.
When you cancel your enrollment, your signature certifies that you are aware:
Your employing office will process your termination by following the applicable instructions in "Employing Office Review of SF 2809." It will use the old carrier copy to notify your carrier of your cancellation and discard the new carrier copy.
When you cancel your enrollment as an annuitant, you may never reenroll unless:
Your enrollment will terminate, subject to a 31-day extension of coverage, on the earliest of the following dates:
Your enrollment may also terminate when you enter leave without pay status.
Your family member's coverage terminates, subject to a 31-day extension of coverage, at midnight on the earlier of the following dates:
You cannot continue coverage for your spouse under your self and family enrollment upon your divorce. He/she may be eligible for his/her own enrollment under either the spouse equity or temporary continuation of coverage provisions.
When you cancel your enrollment, your family members' coverage terminates at midnight of the day that your cancellation is effective, with no 31-day extension of coverage.
Employing Office Responsibilities
When your enrollment terminates, your employing office must prepare a Notice of Change in Health Benefits Enrollment form (SF 2810), showing the reason for your termination in the remarks section. Your employing office must prepare, process and distribute the SF 2810 as quickly as possible so your carrier knows that you are no longer covered under the health benefits plan.
By Termination of Membership in Employee Organization
When the employee organization plan you are enrolled in instructs your employing office to terminate your enrollment because you are no longer a member, your employing office will do so on the Notice of Change in Health Benefits Enrollment (SF 2810). It will note in the Remarks section: "Your enrollment was terminated by the plan because you are no longer a member of the sponsoring employee organization. You may enroll in another plan from 31 days before to 60 days after the date in Part A, item 8, above." (This date is the last day of the pay period in which your employing office received the plan's notice of termination.) Your new enrollment will be processed as an enrollment change.
When your enrollment terminates for any reason other than cancellation or termination of your membership in an employee organization, your employing office must:
31-DAY EXTENSION OF COVERAGE AND CONVERSION
You and your eligible family members' coverage continues at no cost for 31 days after your enrollment terminates for any reason except when you voluntarily cancel your enrollment or your plan is discontinued.
If you or a family member are an inpatient in a hospital on the 31st day of your extension of coverage, FEHB benefits for the hospitalized person will continue for the length of the hospitalization, up to a maximum of 60 more days, unless you convert to an individual contract.
When your enrollment terminates, you are entitled to convert to an individual policy offered by the carrier of your plan. You are not required to provide evidence of insurability.
Exception: you are not entitled to convert to an individual policy if you voluntarily canceled your enrollment or your plan was discontinued.
Benefits under a Conversion Contract
Many conversion contracts provide fewer benefits at a higher cost than what is offered under the FEHB Program. Also, there is no Government contribution to the cost of the individual conversion contract. If you anticipate that a family member will lose coverage in the near future, the benefits and cost of a plan's conversion contract may be an important consideration in your choice of a health plan. If you or a family member are considering converting to an individual policy, you should contact the carrier of your plan for information about the benefits and cost of its conversion contract.