No Waiting Periods. You can use your benefits as soon as your coverage becomes effective. There are no pre-existing condition limitations even if you change plans.
A Choice of Coverage. Choose between Self Only or Self and Family.
Group Benefits. Under spouse equity coverage, you pay the total monthly premium. Under TCC, you pay the total monthly premium plus a 2 percent administrative charge.
A Choice of Plans and Options. Select from Fee-for-Service (with the option of a Preferred Provider Organization), Health Maintenance Organization, Point-of-Service plans, Consumer-Driven plans, or High Deductible Health Plans.
Annual Enrollment Opportunity. Each year you can enroll or change your health plan enrollment. This year the Open Season runs from November 14, 2005, through December 12, 2005.
Continued Group Coverage. Eligibility for you or your family members may continue following your retirement, divorce or death. See your Human Resources office for more information.
Coverage after FEHB Ends. You or your family members may be eligible for conversion to non-group (private) coverage when FEHB coverage ends. See your Human Resources office for more information.
Consumer Protections. Go to www.opm.gov/insure/health/consumers to: see your appeal rights to OPM if you and your plan have a dispute over a claim; read the Patients' Bill of Rights and the FEHB Program and; learn about your privacy protections when it comes to your medical information.