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

Federal Employees Health Benefits Program
Premiums

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When you are comparing plan premiums, remember that although the premium you pay is an important consideration, there are other equally important cost considerations. Plans that offer two options distinguish the difference between the two by the benefits or services provided, and this in turn affects both the premium and the out-of-pocket costs you pay.

Look at the other costs. Check to see how you are protected by the plan's annual out-of-pocket maximum. If you need to go to the hospital, how much will you pay? What will you pay for an emergency room visit? If you have children, what will you pay for a well-child visit? What will you pay for your prescription?

Do you pay a deductible for the services you need? You share medical expenses by paying a coinsurance (a percentage of the bill) or a copayment (a fixed dollar amount). Which option do you prefer? Does the plan limit the dollar amount it pays for certain services, making you pay the rest?