FEHB Plan Brochure Overview and Guide

The FEHB Plan Brochure is a comprehensive guide that outlines the details of the Federal Employees Health Benefits (FEHB) program. It's a must-read for anyone enrolled in the program.

The brochure explains that there are over 200 health insurance plans to choose from, each with its own unique benefits and features. This can be overwhelming, but don't worry, we'll break it down for you.

The FEHB Plan Brochure is designed to help you make informed decisions about your health insurance coverage. It provides detailed information on plan premiums, deductibles, copays, and other essential details.

To be eligible for the FEHB plan, you must be an active employee, an annuitant, or an eligible dependent.

Active employees are eligible to enroll in the FEHB plan.

Annuitants, which include retired postal workers, can also enroll in the FEHB plan.

USPS active employees are eligible for the Postal Service Health Benefit (PSHB) program.

To learn more about the PSHB program, visit the Postal Service Health Benefit program website or the USPS LiteBlue website.

USPS annuitants are also eligible for the PSHB program.

Eligible dependents of USPS active employees and annuitants can also participate in the PSHB program.

Visit the PSHB program website or the USPS LiteBlue website for information on the program.

The Nalc Health Benefit Plan offers a range of services that your plan pays for. You can learn more about these services by visiting the 2025 Plan Rate PDF.

To get a summary of rates for the 2025 plan year, check out the 2025 Plan Rate PDF on opm.gov.

You can also view benefits and services included in your plan by looking at the 2025 Plan Brochure, which is available on opm.gov.

The Member booklet for open season is available in the 2025 Member Booklet PDF.

The FEHB plan brochure is a valuable resource that helps you understand the benefits and services included in your plan. You can view the 2025 Plan Brochure on opm.gov to learn more about what's covered.

The brochure provides a summary of rates for the 2025 plan year, which can be found in the 2025 Plan Rate PDF. This is an essential document to review, especially if you're considering making changes to your plan.

One of the key benefits of the FEHB plan is the medical benefits it offers. These benefits include laboratory and pathology services, diagnostic, psychological, and laboratory tests, and partial hospitalization and outpatient facility services.

Some specific medical benefits include X-rays, outpatient hospital services, and emergency room facility copay and other emergency services. These services are essential for maintaining your health and well-being.

In addition to these services, the FEHB plan also covers professional services and medication management, inpatient hospital services, and inpatient admission. These benefits are designed to provide you with comprehensive coverage for all your medical needs.

Here's a summary of the medical benefits included in the FEHB plan:

The FEHB plan brochure is a valuable resource for understanding the medical benefits covered under your plan. You can view a summary of the benefits and services included in your plan by visiting the official OPM website.

Laboratory and pathology services are just one aspect of the medical benefits covered. Diagnostic, psychological, and laboratory tests are also included. X-rays and outpatient hospital services are also part of the plan.

Here is a breakdown of some of the medical benefits covered:

As you navigate your medical benefits, it's essential to understand what services are covered and what to expect.

You can find a summary of rates for the 2025 plan year in the 2025 Plan Rate [PDF] document.

Laboratory and pathology services, diagnostic, psychological, and laboratory tests, and partial hospitalization and outpatient facility are all covered under your medical benefits.

X-rays, outpatient hospital services, and emergency room facility copay and other emergency services are also included.

Professional services and medication management are crucial aspects of your medical benefits.

Inpatient hospital services and inpatient admission are also covered under your plan.

Here's a breakdown of the medical benefits you can expect:

Understanding your annual deductible is crucial to managing your medical expenses. A deductible is the fixed dollar amount you must pay each calendar year for certain services and products before your health plan pays.

This amount can vary depending on your health plan, but it's usually set at a specific dollar amount. For example, if your deductible is $1,000, you'll need to pay the first $1,000 of your medical expenses out of pocket before your health plan kicks in.

Having a high deductible can be a challenge, especially if you have ongoing medical needs. However, some health plans offer lower deductibles in exchange for higher premiums. It's essential to weigh the costs and benefits to determine what works best for you.

A deductible is a one-time payment, not a recurring fee. Once you've met your deductible, your health plan will cover a portion of your medical expenses, usually until you reach the out-of-pocket maximum.

The out-of-pocket maximum is the most you'll have to pay per calendar year for covered health care services. Once you reach this amount, your plan pays 100 percent of the allowed amount for covered services excluding taxes.

You'll have a maximum out-of-pocket limit for each person on the plan, as well as a maximum for everyone on the plan.

Reaching the out-of-pocket maximum doesn't mean you'll be completely free from costs, but it does mean your plan will cover 100% of eligible expenses after that point.