Best federal health insurance plan 2022 reddit

Federal Employees Health Benefits (FEHB) program   |   Coverage after separation or no longer eligible
FEHB Modification for Certain Temporary and other Employees   |   Affordable Care Act   |   Medicare   |   Tricare (Military)

Federal Employees Health Benefits (FEHB) program

Key FEHB Facts

• 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% of the premium cost
• You’re saving money on premiums since they are pre-tax (premium conversion)
• You are automatically under premium conversion unless you elect to waive it
• Open Season is an annual event that allows changes to FEHB

General Information

• FEHB Homepage

Enrollment
Use Employee Express to enroll, change, and cancel your FEHB coverage during Open Season and for some qualifying life events. If you do not see your event available in Employee Express, contact your Benefits Specialist for assistance.

• Employee Express
• Qualifying Life Events
• SF 2809 — Health Benefits Application form
• Premium Conversion Waiver Form
• Certification of Foster Children Form

Health Plan and Premium Information

• Plan Information
• Individual Plan Brochures
• Tool to Compare Health Plans
• Types of Plans
• Premium conversion

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Coverage after separation or no longer eligible

Military

• Coverage for Federal Employees Called to Active Duty

Retirement

• Are you eligible to continue FEHB into retirement?
• Suspension of FEHB to use Tricare (annuitants only)

Temporary Continuation of Coverage (TCC)

• Child age 26
• Former Employee
• Former Spouse

TCC enrollment

• Complete SF 2809 — Application form
• Contact your Benefits Specialist for assistance

Resources

• FEHB Reference page
• Frequently Asked Questions
• Glossary of Terms
• FEHB Handbook

Questions?
Contact your Benefits Specialist for assistance
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FEHB Modification for Certain Temporary and other Employees

• FAQs for Supervisors and Employees
• FastFacts for Certain Full-time Temporary Employees and Certain Full-time Employees on Intermittent and Season Work Schedules

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Affordable Care

• Health Care Coverage Forms for Federal Employees—Fast Facts
• Health Insurance Marketplace Notice
• Health Care Reform FEHB Fast Facts
• Payroll FAQs on the Affordable Care Act
• Affordable Care Act (ACA) FAQs
• Affordable Care Act and FEHB FAQs
• Questions?

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Medicare

• Medicare.gov
• Medicare and FEHB
• Medicare and You Booklet
• Questions?
• Benefits Bulletin 13-2 Medicare
• Slides from Medicare Presentation by SSA — PowerPoint | PDF
• OPM's webcast on Medicare and the FEHB Program

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Tricare (Military)

• Tricare.mil
• Tricare and FEHB
• Suspension of FEHB to use Tricare (annuitants only)
• Questions?

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My family member works for a major tech company and she pays under $100 for the family.

This information in a vacuum doesn't tell the whole story. How much does the employer contribute? What's their salary? How does that compare to others in a similar role at other companies with different insurance plans?

My point is that employers consider Salary + Employee Benefits together when they make offers. On average, places with better insurance usually have lower salaries.

I.e.: The entire federal government

I am now finally a federal employee, and in the middle of filling out the health benefits form (SF2809). I have been reading and comparing options here and there, but there are just too many to read, my mind hurts :(

I was hoping that you can help me decide.

Below are some of the basic info of me if that matters:

- 30

- Single

- located at MD

I was thinking of getting HDHP Plan since I already have an HSA from my previous employer and I want to be able to roll that over. What are some of the best and good HDHP plan base on my situation?

Any advice and tips?