Q:

How do you compare the costs, benefits and features of FEHB plans?

A:

Quick Answer

Compare the costs, benefits and features of Federal Employees Health Benefits Program plans by studying the plan brochures available from the OPM.gov website or your employer's human resources office, advises Benefits.gov. The health plans format and organize the brochures uniformly for easy comparison.

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Full Answer

To find information on the FEHB plans in your state, go to OPM.gov, select Insurance in the toolbar at the top of the page, click on Healthcare, and click on Plan Information in the menu on the right side of the page, explains the U.S. Office of Personnel Management. Click on your state on the interactive map to access a list of all available plans along with links to brochures, rates, recent updates, provider directories and official websites.

Choose the best category of plan for your situation to help you narrow your search for a specific FEHB plan, suggests the U.S. Office of Personnel Management. Fee-for-service plans include Preferred Provider Organizations, which are less expensive but require you to use doctors within their networks, and Non-PPO plans, which are more expensive but allow you to select your own provider. Health Maintenance Organizations have inexpensive networks of hospitals and providers and allow you to go outside network for emergencies. High Deductible Health Plans have inexpensive premiums but high out-of-pocket expenses.

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