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Health Benefits Open Season Window Now Open

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Open Season Window: November 9 – December 14, 2009

All health or dental or vision plans are not alike. Open Season is about exercising your right to choose. Failure to consider your health plan choices could leave you without the health care services or supplies you need, or with a premium you can’t afford. Dental and/or vision coverage can fill in the gaps of any coverage you now have, or can pay for services you now don’t get. A flexible spending account helps you save money and pay less tax.

Can you sit out this Open Season and do nothing?

  • If you are already enrolled in FEHBP or FEDVIP, those enrollments will continue automatically, though benefits and premiums may change. (Be sure to check that your plan is still participating.) If you do nothing this Open Season and are later unhappy with your 2010 benefits or premiums, you cannot cancel or change your enrollment until the next Open Season.
  • If you already have an FSAFEDS account, it will not continue automatically; you must reenroll.

What are some things you should think about this Open Season?

Federal Employees Health Benefits Program (FEHBP)

  • You must be covered by the Program for the five years of service immediately before retiring to continue coverage into retirement, or for the full periods of service since your first opportunity to enroll (if less than 5 years).
  • There are no waiting periods and no pre-existing condition limitations, even if you change plans.
  • There are lots of plans from which to choose.
  • You can have FEDVIP and FSAFEDS with your FEHBP insurance.

Federal Employees Dental and Vision Insurance Program (FEDVIP)

  • You may continue coverage into retirement without a five-year enrollment requirement.
  • Participating dental and vision providers may be different from your health plan’s providers.
  • You can cancel your coverage only during Open Season or deployment to active military duty.
  • FEDVIP always pays benefits secondarily to your FEHBP insurance.
  • You can submit co-pays and deductibles to your FSA account.

Health Care Flexible Spending Account: Federal Flexible Spending Account Program (FSAFEDS)

  • There are three accounts from which to choose — a dependent care account, a health care account, and a limited-expense health care account.
  • Participating lowers your taxable income.
  • You can pay for your FEHBP and FEDVIP co-pays and deductibles.
  • FSAFEDS is not open to retirees.

How much do these Programs cost?

Where can you go for more detail on the choices available to you?

Additional details can be found at http://ww.opm.gov/insure or see your Servicing Human Resources Office for more information.