Cookies help us deliver our Services. There’s a lot to think about with respect to Medicare and your FEHB plan. Our Guide shows plan-by-plan customer satisfaction ratings reported by OPM. My health is ok, but I am not young anymore so that is a consideration. It's pretty similar to BCBS, main difference is its a cheaper plan monthly but has a $350 deductible & $40 annual union due (You'll save more then $390 from the monthly cost over a 12 month period). Some of the options on the list are not accepted everywhere. It's the lowest premium, and wits an hmo. FEHB is definitely overwhelming. Thank you. Is there a specific reason to stay away from any particular plan? Dental coverage through UnitedHealthOne is available in both individual and employer plans. I like GEHA, and have been using GEHA for the last 10 years (GEHA standard, and GEHA HDHP). The recent change that has been probably the most important to Federal employees was coverage of adult children until age 26. 2. A lot of it depends on your health needs. 10GB. The most general advice is typically this, HDHP like GEHA or Aetna are often better when your insurance utilitization is tiny or huge - in both those scenarios you typically come out ahead. Guide to Health Plans For Federal ... We believe that the best way to analyze them is to consider the Health Savings Account (HSA) as the equivalent of a reduction in premium. I have the BCBS 104 plan which is the more expensive of the two. Press question mark to learn the rest of the keyboard shortcuts. I chose GEHA because of the lower premiums. Employee and annuitant out-of-pocket costs include deductibles, co-insurance and co-payments. The GEHA plan looks good, but there must be a reason the Blue Cross plan is twice as much money. It still has copays. Edit: also the network is much bigger. This seems like the best plan money wise for pregnancy, but I was wondering if anyone has an experience on the best plan for out of pocket costs. I'm just saying I only care about it for dental purposes. Keeping FEHB and Not Enrolling in Medicare Part B. These five plans are all health management organizations (HMOs). But I have some chronic health issues so it's cheaper for me to pay more upfront to pay less on the back end. By having Medicare Part B and FEHB coverage in force, you essentially have limited the vast majority of out-of-pocket expenses like copays, deductibles, and coinsurance. Curious because I'm picking plans right now too and it looks like a good option for me. Customer Satisfaction Ratings of FEHB Plans. We would like vision and dental as well. The high-deductible plans and consumer-driven plans, as a group, have various kinds of savings accounts and higher deductibles and very good catastrophic protection. The amount of information is overwhelming. Choosing Among Types of FEHB Plans. The first consideration is your health, both today and in the future. Finding the perfect individual cell phone plan can seem like a challenge.. That right there covers half my deductible. I want an HDHP exclusively for dental care and access to an HSA, as I get my other care at the VA. It can be any amount. Best FEHB plan for a married person with no kids. Key FEHB Facts. Make sure to check your hospital's website to see which plans they accept. Under certain circumstances, you may also continue coverage for a disabled child 22 years of age or older who is incapable of self-support. I understand that HDHP aren't usually exclusively dental, so its fine if the plan is for basic medical. Didn't use it much but the coverage was very good on paper. FEHB plans and Medicare don’t cover the same things or at the same levels. Edit for additional information: I plan on probably getting a check up once a year plus my dental cleanings. Avoiding Stupid Mistakes Advice Do not forget that you need continuous coverage under the FEHB (by you or your spouse) for five years before you retire, or you will lose coverage forever. 3GB. Best phone plans for one in 2021. I'm also curious what others have to say. 2021 FEHB Plan Comparison Details The information contained in this comparison tool is not the official statement of benefits. We would like vision and dental as well. I have never had a provider not take BCBS (although some are out of network). A lot of it depends on your health needs. I've had the BCBS mid tier plan for a while. The prescription cost difference alone covers the extra premium for me. Fed news But I have some chronic health issues so it's cheaper for me to pay more upfront to pay less on the back end. I have only had a few issues regarding some pre-authorizations being denied (it was a grey area I'll admit). This.. All benefits are subject to the definitions, limitations, and exclusions set forth in the FEHB Plan … That said, I can tell you I'm not entirely happy with GEHA. 5GB. Government employee, Press J to jump to the feed. The Fresh and Easy Plan is ideal for a busy single person at the end of a long day. However, when you broaden your search beyond options offered by only the big four networks, you can often find a plan that gives you freedom while saving serious money. For both self plus one and self and family enrollm… OPM recently announced that FEHB program plan premiums for 2019 will increase on average 1.5 percent over their 2018 premiums. Before making your final enrollment decision, always refer to the individual FEHB brochure which is the official statement of benefits. Unlimited. I've been pretty happy with it. And neither Medicare Parts A or B provide prescription drug coverage. Unfortunately, It's impossible to give you good advice without knowing what kind of health issues and medications your partner requires (e.g., all generics or some name brands). This option may make sense for some, but there are some inherent downsides to this strategy. Explore our small business options. If you are young and healthy, you will likely save money. Most FEHB plans also have some routine dental and vision benefits. I'm very happy with it also. Best FEHB for Maternity Care I am currently on a United Healthcare plan, but I am thinking about switching to BCBS because my wife is pregnant. This includes legally adopted children and recognized natural children who meet certain dependency requirements. No x-rays or anything like that. FEHB plan brochures sets of comparisons for plans, one for each major group facing different premiums. I was on GEHA when I never needed insurance other than a physical. This subreddit is for sharing news and information regarding the inner workings of the US … By joining a health insurance plan with better than average dental or vision benefits, you can eliminate much of the need for a supplemental plan. 2019 FEHB Plan Comparison Tools and Brochures The OPM website contains the following information for the 2019 FEHB plan year: 2019 FEHB plan information includes a list of all health insurance plans available in a state, as well as links to the plan brochures, changes for each plan from the previous year, information on plan patient safety programs, and links to the plan provider directories. The data we have presented should help you to quickly and easily narrow your choice to two or three of the plans, out of the dozens you are offered. I don't know if this is GEHA or because of Aetna, who GEHA uses to administer the plan, but I literally just got done saying to my wife that it might be worth it to just pay more to BCBS due to the larger network to avoid this kind of crap in the future. If I remember right, GEHA has coinsurance, while Blue Cross is a low, flat copay. 1. Then I got sick on TDY, went to an clinic that I got the name of by calling the back of my card, simply saw a doc who said I had food poisoning and wasn't dying (as I was SURE I was dying lol). I didn’t realize that until I needed to get three cavities done and was told it’d be like 200 bucks. Press question mark to learn the rest of the keyboard shortcuts. Only thing I don’t like about GEHA HDHP is the dental coverage is basically non-existent. Comparing BC/BS with the average fee-for-service employer-provided health plan shows that the government and its workforce are paying more than the cost for the comparable average employer-provided health insurance. NOTE: Information about the cost of this plan (called the premium) will be provided separately. But you should check them out and see if it fits your need. I also like the health wellness card, you can earn up to...170 I think to use on health expenses. I am more than happy with BCBS. Each has deductibles or copayments. That's one person's anecdotal experience but I couldn't have been less satisfied with GEHA. r/fednews: Are you a Federal Employee or contractor? I was on the NALC plan last year and it wasn't too bad. Sometimes at 65, your health looks pretty good and so it might dissuade you from taking on another type of insurance (and another bill). If you decide to enroll, change health plans or plan options, or change enrollment type, please visit the Enroll page for information on submitting a change. You can choose from among managed fee for service (FFS) plans, regardless of where you live, or plans offering a point of service (POS) product and health maintenance organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan. These are often substantial benefits (though never as good as in these FEDVIP plans). Best Cell Phone Plans for Individuals. Then GEHA refused to pay over a "billing code error". Part B enrollment is a bad decision with most plans (those with high premiums), but a good decision with some plans … At this point, compare the brochures of these carefully. Amazingly affordable cell phone plans on Verizon, AT&T, Sprint, and T-Mobile that are perfect for individual users. Your employee will enjoy an affordable plan that provides quality care with access to our wide network of doctors, hospitals, pharmacies, and labs. This option will keep your health insurance situation at status quo without much change. How to Choose the Best FEHB Plan For You and Your Family. Best Meal Kits for Singles [Updated] Skip to: show ... Share on reddit. Dont forget that any unused funds in the HSA at a certain age will convert to a quasi Traditional IRA where you can take withdrawals for whatever. Comparing FEHB most popular plans with private sector insurance. I have the BCBS 104 plan which is the more expensive of the two. Hi, thanks for the answer. When it comes to your health care, the best surprise is no surprise. The GEHA dental will also include GEHA vision for free. You can get brochures from the health plans or your human resource office. If you plan on having a baby, or use a particular psychiatrist, ask your obstetrician or psychiatrist which plans pay best. That certainly seems like pretty full coverage. Most Feds Could Save $2K or More By Switching Health Insurance A new guide aims to help federal employees and retirees make more informed decisions during open season. Before making your final enrollment decision, always refer to the individual FEHB brochures. But again, you have to shop for your health more than anything else. By using our Services or clicking I agree, you agree to our use of cookies. Top Picks. I’m looking through the GRB platform at all the plan brochures and I’m getting kind of overwhelmed. Which Plan is Best with Medicare Parts A and B? In recent years, there have been significant program-wide changes to the FEHB program. By mid tier do you mean the Basic plan? r/fehb: Questions about FEHB plans. Review the brochures carefully. I have the MHBP standard. I just want the absolute cheapest premiums with a plan that allows me to use hsa for dental. This also includes stepchildren and foster children who live with you in a regular parent-child relationship. 1GB. New comments cannot be posted and votes cannot be cast. I’m looking through the GRB platform at all the plan brochures and I’m getting kind of overwhelmed. In my opinion it is best to provide a survivors annuity large enough to cover FEHB expenses however it isn’t necessary. Note that the high self plus one cost for the Delaware Aetna Open Access plan is higher (by $30 per month) than the high self and family plan. Please read the FEHB Plan brochure (RI 73-197) that contains the complete terms of this plan. 2021 FEHB Program Changes. Their convenient options include oven-ready meals that come complete with a disposable oven-tray. No needed prescriptions for either of she just has TMJ (lock jaw) and OBGYN issues. Coverage continues each year unless you make a change; There are no waiting periods and no pre-existing condition limitations; All nationwide FEHB plans offer international coverage; The government pays about 70% … Federal Employees Health Benefits (FEHB) program. Is there a popular plan that people consider best? Cleanings are covered but if you need any kind of work they cover like 20-30 bucks. That said I require a name brand drug that throws a wrench into my excel sheets. This is the kind of input I am looking for. By using our Services or clicking I agree, you agree to our use of cookies. I have maxed my HSA since I opened it 3 years ago (Family). Each plan’s FEHB brochure is the official statement of benefits. Any recommendations? This subreddit is for sharing news and information regarding the inner workings of the US Federal Government for Federal Employees. Most Expensive FEHB Plans by Employee Monthly Share. I think the biggest difference in the plans is what is covered under your hospitalization. Eligible family members include your spouse and unmarried dependent children under age 22. My wife plans on using the insurance a lot as she has lot of minor health issues. FEHB’s most popular health plan provider is Blue Cross/Blue Shield (BC/BS). I'm not a controller yet but I am signed up for FEHB. What OPM did not announce is the average increase of “out-of-pocket” FEHB plan costs during 2019. Federal employment New comments cannot be posted and votes cannot be cast, Are you a Federal Employee or contractor? My vision is pretty good so I don't really use vision. Scott Thompson: Okay. If you elect a survivors annuity of $3600, enough to cover many plan costs, your annuity will be reduced by 2.5%. Am I correct in assuming the two top picks would be BCBS or GEHA? Their network gives me lots of choices and they are usually pretty quick with approvals for approval-required services. GEHA has better dental than BCBS, but BCBS covers a cleaning per year - if additional dental is needed a supplemental plan is t that much more expensive and I've found for my personal equations I end up saving $100/year sticking with BCBS. I had a endoscopy done, and they denied the anesthesiologist as in network - not because he wasn't in the network, as he was (edit:at 5 locations within 25 miles), but because he was not in network AT THAT ADDRESS! I like BCBS. Now, since we have another insurance program in force, FEHB, they’re going to pick up the remaining 20%. I'm on the GEHA HDHP, mostly because I'm young, healthy, and like the tax savings. Checkbook. 2021 FEHB plan information includes a list of all health insurance plans available in a state, as well as links to the plan brochures, changes for each plan from the previous year, information on plan patient safety programs, and links to the plan provider directories. Three Considerations for Your FEHB/Medicare Decision. Press J to jump to the feed. Cookies help us deliver our Services. Press question mark to learn the rest of the keyboard shortcuts I picked the Aetna HDHP. Low premiums (almost half of which pass through to your HSA) and low out of pocket max make it a solid choice for people with low -or- high medical expenses. Of course, we also offer plans for businesses of all sizes. Federal employee Government news Press J to jump to the feed. I've been on this plan ~5 years and love it. This is only a summary. I just checked and I have about 20K in my HSA account. Enroll in Medicare Part B But Drop FEHB. As shown above, whether or not enrolling in Part B is a sensible decision rests largely on which FEHB plan it is paired with. Happy so far, but not recommended if you have chronic conditions. The FEHB plan brochures show you what services and supplies are covered and the level of coverage. When usage is middle of the road, BCBS mid tier is a solid option and you will likely come out slightly ahead. To provide coverage for a single employee, we suggest our individual and family plans. Golden Rule Insurance Company, which underwrites many of UnitedHealthOne's individual insurance products, is rated "A (Excellent)" from AM Best, and its rating indicates the financial strength and stability of UnitedHealthOne's products. I am young, healthy, not married, no kids. The brochures are formatted to ensure they are all organized alike. You would continue to pay your FEHB premiums. After like 15 conversations I just paid the bill myself and switched to BCBS once the GEHA rep told me she had too much going on to figure this out. I was told I was responsible for the amount over the allowable, but fortunately the anesthesiologist accepted my 15% coinsurance as paid-in-full, saving me over $500. Government employees working towards financial independence, and retiring early. 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