Federal Employee Health Benefits; Playing with a Rubik’s Cube

Mar 9, 2018

employeeOne of the stand out benefits available to federal employees is the group health insurance under what is referred to as the Federal Employee Health Benefits programs (FEHB).  In fact, there are so many good alternatives to choose from it can be quite a challenge to make the best decision for you and your family. You may want to make your decision based upon cost, out-of-pocket expenses, or maybe even the availability of certain.  As one effects the other, it is almost like a Rubik’s Cube.

We recommend that you visit the office of personnel management’s (OPM) website https://www.opm.gov/healthcare-insurance/ to conduct your own research. Once there, you can read their various brochures and overviews describing what considerations you should take into account.  You will also find a good information in a drop-down marked “compare health plans”.  It will help you to further drill down on the subject.

Another major resource is Walt Francis; a self-employed economist and policy analyst is an expert in the analysis and evaluation of public programs. He is affiliated with the development of a nonprofit Center for the Study of Services which has developed an excellent guide to health plans for federal employees at his website dedicated to the subject which is called Consumer’s Checkbook. You can find it at https://www.checkbook.org/newhig2/hig.cfm.

Brad’s tip?  I honestly think you, as a federal employee, can select from the very best group health care plans to find one perfect for your situation…but you’ll need some tenacity to do it.  If you have any college-aged kids, maybe this would be a good project to delegate!

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