Health Insurance for Federal Employees

As a federal employee, you have access to comprehensive health insurance coverage that meets your healthcare needs. This article aims to provide you with valuable information on health insurance and answer frequently asked questions to help you make informed decisions about your healthcare coverage.

What is Federal Employees Health Benefits (FEHB)?

Federal Employees Health Benefits (FEHB) is a program that offers comprehensive healthcare coverage to federal employees, retirees, and their families. The program provides access to a variety of health insurance plans that offer medical, dental, and vision coverage. The FEHB program is administered by the U.S. Office of Personnel Management (OPM).

FEHB is the largest employer-sponsored health insurance program in the United States, covering over 8 million federal employees, retirees, and their dependents. The program offers a range of benefits, including:

Now, let’s take a closer look at some of the most frequently asked questions about FEHB:

FAQs:

1. Who is eligible for FEHB?

All federal employees, including full-time, part-time, and temporary employees, are eligible to enroll in the FEHB program. Federal retirees, their spouses, and their children are also eligible to participate in the program.

2. How do I enroll in FEHB?

You can enroll in FEHB during the annual Open Season, which typically runs from the beginning of November to mid-December. You can also enroll during a Qualifying Life Event (QLE), such as a change in employment status or a change in family status that affects your eligibility for coverage. To enroll, you must complete the appropriate enrollment form and submit it to your agency’s human resources department.

3. How much does FEHB cost?

The cost of FEHB varies depending on the plan you choose and your personal circumstances, such as your age, location, and current health status. Premiums are shared between you and your employer, with the average employer contribution being about 70% of the total premium cost. You can use OPM’s online tool to compare plan costs and benefits and choose the plan that best fits your needs and budget.

4. Can I change my FEHB plan?

Yes, you can change your FEHB plan during Open Season or a Qualifying Life Event. You can also make changes to your plan outside of Open Season if you experience a significant life change, such as a divorce or the birth of a child. However, outside of Open Season, you can only change plans if you are switching to a plan that has a higher level of benefits.

5. What happens to my FEHB coverage when I retire?

If you retire from federal service, you can continue your FEHB coverage as long as you meet certain eligibility requirements, such as having been enrolled in FEHB for at least five years immediately preceding your retirement. You will be responsible for paying the full premium cost, but you may be eligible for a government subsidy to help offset the cost. You can also enroll in Medicare to supplement your FEHB coverage.

Conclusion

Federal Employees Health Benefits (FEHB) is a valuable program that offers comprehensive healthcare coverage to federal employees and their families. By enrolling in FEHB, you can access a variety of healthcare benefits, including medical, dental, and vision coverage, as well as flexible spending accounts and employee assistance programs. If you have any questions about FEHB or need help choosing the right plan for your needs, be sure to consult with your agency’s human resources department or visit OPM’s website for more information.