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Federal Employees Health Benefits Program (FEHB)
As a Federal employee, you are entitled to enroll yourself and
any eligible family members in a health plan offered under the FEHB Program,
unless your position is excluded from coverage by law or regulation. If you
meet the requirements, you will be eligible to continue group coverage into retirement.
There are two types of enrollment: Self Only and Self and Family. A Self and
Family enrollment covers you, your spouse, and your unmarried dependent children under age
22. Each health plan carrier under the FEHB Program charges a different premium.
The Government pays up to 75% of the cost of your health benefits coverage, and
you pay the remainder, based on a formula set by law. Over 350 health plans are
offered under the FEHB Program. Of the 14 available fee-for-service plans, seven
are open to all enrollees, while another seven are available only to specific
categories of employees. In addition, health maintenance organizations (HMOs) are
available in most areas of the United States; you must live or work within a
defined area to be eligible to enroll in a particular HMO.
Each year, an Open Season is held for FEHB Program enrollees to change
health plans and/or the type of enrollment they have. Eligible employees may
also enroll during this time. Open Season runs from the Monday of the second full
workweek in November through the Monday of the second full workweek in December.
There are limited opportunities to enroll, cancel your enrollment, or change your
enrollment outside of an Open Season.
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