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U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce

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Insurance Services Programs

How to Choose the Plan that is Best for You

Types of Plans
Discusses the types of plans available, with the advantages and disadvantages of each type. Also some things to consider when comparing plans.

While premiums are important, you also need to consider the difference in the out-of-pocket costs between the various plans. You are after the lowest total cost by the end of the year -- not just the lowest premium.

Medicare and FEHB
If you are 65 or over, you will be covered by both Medicare and FEHB. This section discusses the coordination of benefit payments between these programs. This is important information to help you in choosing an appropriate FEHB plan.

PlanSmartChoice and Consumer's CHECKBOOK
Several Federal departments and agencies have contracted with PlanSmartChoice and Consumer's CHECKBOOK to make their plan comparison tools available to their employees through Employee Express and other methods.