Choosing the right health insurance plan is a critical decision for federal employees. With a variety of options available under the Federal Employees Health Benefits (FEHB) program, it’s essential to compare plans carefully to find one that best meets your individual and family needs. This guide provides a detailed comparison of several FEHB plans, focusing on key aspects such as costs, network, and coverage details to aid you in making an informed decision.
Understanding Your FEHB Options: A Comparative Overview
The FEHB program offers a wide array of health insurance plans, each with its own structure of benefits, costs, and provider networks. Understanding the differences between these plans is the first step in selecting the right coverage. This comparison focuses on High Deductible Health Plans (HDHPs), which are increasingly popular due to their lower premiums and the opportunity to save for healthcare expenses through Health Savings Accounts (HSAs).
Costs & Network: Key Financial Considerations
When Comparing Federal Employee Health Insurance Plans, cost is invariably a primary concern. It’s crucial to look beyond just the bi-weekly premium and consider the total potential out-of-pocket expenses, including deductibles and maximum out-of-pocket limits. Network accessibility is also vital, ensuring that your preferred doctors and hospitals are within the plan’s network to minimize costs and maximize coverage.
| Plans | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Plan Links | ||||
| General Information – State | Alabama | Alabama | Alabama | Alabama |
| General Information – Enrollment Code – Self | 224 | 111 | 341 | 481 |
| General Information – Enrollment Code – Self & Family | 225 | 112 | 342 | 482 |
| General Information – Enrollment Code – Self Plus One | 226 | 113 | 343 | 483 |
| General Information – Carrier Code | 22 | 11 | 34 | 48 |
| General Information – Telephone Number | 877-459-6604 | 1-800-411-2583 | 800-821-6136 | 800-694-9901 |
| Biweekly Premium | $135.20 | $113.16 | $76.27 | $84.20 |
| Biweekly Premium | $287.01 | $274.14 | $163.99 | $186.33 |
| Biweekly Premium | $241.49 | $303.61 | $201.52 | $195.65 |
Plan Networks and Deductibles: Navigating Coverage and Out-of-Pocket Costs
Understanding the network associated with each plan is crucial. In-network providers will always be more cost-effective, and HDHPs often have different deductibles for in-network and out-of-network services. Deductibles are the amount you pay out-of-pocket before your insurance starts to pay, so lower deductibles can be advantageous if you anticipate needing frequent medical care.
| Plans – Networks | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) – In-Network | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) – Out-of-Network | Blue Cross and Blue Shield Service Benefit Plan (Basic) – In-Network 1 | Blue Cross and Blue Shield Service Benefit Plan (Basic) – In-Network 2 | Blue Cross and Blue Shield Service Benefit Plan (Basic) – Out-of-Network | GEHA Benefit Plan (HDHP) – In-Network 1 | GEHA Benefit Plan (HDHP) – Out-of-Network | MHBP Consumer Option (HDHP) – In-Network 1 | MHBP Consumer Option (HDHP) – Out-of-Network |
|---|---|---|---|---|---|---|---|---|---|
| Annual Deductible | $1,800.00 | $2,600.00 | None | None | None | $1,650.00 | $3,300.00 | $2,000.00 | $2,000.00 |
| Annual Deductible | $3,600.00 | $5,200.00 | None | None | None | $3,300.00 | $6,600.00 | $4,000.00 | $4,000.00 |
| Annual Deductible | $3,600.00 | $5,200.00 | None | None | None | $3,300.00 | $6,600.00 | $4,000.00 | $4,000.00 |
| Type of Account | HSA/HRA | HSA/HRA | None | None | None | HSA/HRA/HRA | HSA/HRA/HRA | HSA/HRA/HRA | HSA/HRA/HRA |
| Medical Account Contribution | $800.00 | $800.00 | N/A | N/A | N/A | $1,000.00 | $1,000.00 | $1,200.00 | $1,200.00 |
| Medical Account Contribution | $1,600.00 | $1,600.00 | N/A | N/A | N/A | $2,000.00 | $2,000.00 | $2,400.00 | $2,400.00 |
| Medical Account Contribution | $1,600.00 | $1,600.00 | N/A | N/A | N/A | $2,000.00 | $2,000.00 | $2,400.00 | $2,400.00 |
| Net Deductible | $1,000.00 | $1,800.00 | None | None | None | $650.00 | $2,300.00 | $800.00 | $800.00 |
| Net Deductible | $2,000.00 | $3,600.00 | None | None | None | $1,300.00 | $4,600.00 | $1,600.00 | $1,600.00 |
| Net Deductible | $2,000.00 | $3,600.00 | None | None | None | $1,300.00 | $4,600.00 | $1,600.00 | $1,600.00 |
| Annual Out-of-Pocket Maximum | $6,900.00 | $9,000.00 | $7,500.00 | None | None | $6,000.00 | $8,500.00 | $6,000.00 | $7,500.00 |
| Annual Out-of-Pocket Maximum | $13,800.00 | $18,000.00 | $15,000.00 | None | None | $12,000.00 | $17,000.00 | $12,000.00 | $15,000.00 |
| Annual Out-of-Pocket Maximum | $13,800.00 | $18,000.00 | $15,000.00 | None | None | $12,000.00 | $17,000.00 | $12,000.00 | $15,000.00 |
Member Costs with Medicare: Coordinating Benefits
For federal employees who are also eligible for Medicare, understanding how FEHB plans coordinate with Medicare is essential. Some FEHB plans offer features like deductible waivers or out-of-pocket maximum adjustments when Medicare is primary, potentially reducing your healthcare costs significantly.
| Member Cost with Medicare A & B Primary | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Deductible Waiver with Parts A & B | $1800 | $2600 | N/A | Deductible Waived |
| Out-of-Pocket Maximum with Parts A & B | $6900 | $9000 | $7500 $15000 | $6000 $12000 |
| Primary Care Physician Office Visit with Medicare A & B Primary | 15% Coinsurance | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Copayment Waived |
| Specialty Office Physician Visit with Parts A & B | 15% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Coinsurance Waived |
| Inpatient Hospital Services with Parts A & B | 15% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Coinsurance Waived |
| Outpatient Hospital Services with Parts A & B | 15% Coinsurance | 40% Coinsurance + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Coinsurance Waived |
| Part B Premium Reimbursement with Parts A & B | No | No | $800 Max | No |
Member Costs with Medicare Advantage (Part C) Primary
If you are enrolled in a Medicare Advantage (Part C) plan, your FEHB plan will act as secondary coverage. Understanding the cost-sharing implications under these circumstances is important for budgeting healthcare expenses.
| Member Cost with Medicare Advantage (Part C) Primary | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Deductible Waiver with Part C | N/A | N/A | N/A | N/A |
| Out-of-Pocket Maximum with Part C | N/A | N/A | $7500 $15000 | $6000 |
| Primary Care Physician Office Visit with Medicare Advantage (Part C) Primary | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | $15 Copayment |
| Specialty Physician Office Visit with Part C | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | $15 Copayment |
| Inpatient Hospital Services with Part C | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | $75 Per Day Up To $750 Per Admission |
| Outpatient Hospital Services with Part C | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | $75 Copayment |
| Part B Premium Reimbursement with Part C | N/A | N/A | No | No |
Prescription Drug Coverage and Costs with Medicare Part D EGWP
Prescription drug costs can be a significant portion of healthcare spending. For those with Medicare Part D Employer Group Waiver Plan (EGWP), it’s crucial to compare the drug formularies and cost-sharing structures of different FEHB plans, especially for maintenance medications.
| Member Cost with Medicare Part D EGWP | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Prescription Drug Deductible | N/A | N/A | N/A | N/A |
| Out-of-Pocket Maximum | N/A | N/A | $2000 | $2000 |
| EGWP Tier 0 | N/A | N/A | N/A | Member Pays Nothing |
| EGWP Tier 1 | N/A | N/A | $10 | $8 |
| EGWP Tier 2 | N/A | N/A | $45 Copayment | $45 |
| EGWP Tier 3 | N/A | N/A | 50% | $70 |
| EGWP Tier 4 | N/A | N/A | $75 Copayment | 25% |
| EGWP Tier 5 | N/A | N/A | N/A | N/A |
| EGWP Tier 6 | N/A | N/A | N/A | N/A |
Primary and Specialty Care: Access and Costs
Access to primary and specialty care is a fundamental aspect of any health insurance plan. Consider the copays or coinsurance for office visits, and whether referrals are required to see specialists. Preventive care is typically covered at no cost to the member in most plans, encouraging proactive health management.
| Primary/Specialty Care | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Preventive Care | Member Pays Nothing | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Member Pays Nothing |
| Primary Care Office Visit | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment | $15 Copayment |
| Specialist Office Visit | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $50 Copayment | $15 Copayment |
| Plan Requires Referral to See Certain Specialists | No | No | No | No |
Emergency and Urgent Care: Costs for Unexpected Health Needs
It’s important to understand the costs associated with emergency and urgent care services. Plans may have different copays or coinsurance for emergency room visits versus urgent care centers. Some plans also waive out-of-pocket costs if you are admitted to the hospital following an ER visit, which can be a significant benefit.
| Emergency & Urgent Care | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Emergency Care | 15% | 15% | $0 Copayment + $350 | $50 Copayment |
| Urgent Care | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $50 Copayment | $50 Copayment |
| Out-of-Pocket Waived | No | No | Yes | Yes |
Surgery and Hospital Charges: Understanding Inpatient and Outpatient Costs
Hospital stays and surgeries can be among the most expensive healthcare services. Comparing the costs for inpatient and outpatient surgery, hospital admissions, and related services like room and board is crucial, especially if you anticipate needing these services.
| Surgery & Hospital Charges | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Doctor Costs Inpatient Surgery | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $200 Copayment | Member Pays Nothing |
| Hospital Inpatient Cost Per Admission | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $350 Per Day Up To $1750 Per Admission | $75 Per Day $750 Max |
| Room & Board Charges | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Member Pays Nothing |
| Other Inpatient Costs | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Member Pays Nothing |
| Doctor Costs Outpatient Surgery | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $150 Copayment Or $200 | $150 |
| Other Outpatient Costs | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $250 Per Day Or $350 Per Day | $75 Copayment |
Lab, X-Ray & Other Diagnostic Tests: Costs for Diagnostic Procedures
Diagnostic tests are a routine part of healthcare. Comparing the costs for simple and complex diagnostic procedures, as well as the availability and cost-sharing for enhanced lab networks, can help you estimate your expenses for routine and specialized tests.
| Lab, X-Ray & Other Diagnostic Tests | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Simple Diagnostic Tests/Procedures | 15% | 40% + Difference Between Plan Allowance and Billed Amount | 15% Or $40 Copayment Or $100 Copayment | $15 Copayment |
| Complex Diagnostic Tests/Procedures | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $40 Or $100 | $15 Copayment |
| Enhanced Lab Network | 15% | 40% + Difference Between Plan Allowance and Billed Amount | N/A | Member Pays Nothing |
Prescription Drugs: Access and Formulary Considerations
Prescription drug coverage varies significantly among plans. Check if mail service pharmacy benefits are offered, if there are restrictions on mail order or specialty pharmacies, and whether hormone therapy is covered. Crucially, compare the cost-sharing for different drug tiers to understand your potential out-of-pocket costs for medications.
| Prescription Drugs | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Mail Service Pharmacy Benefit | Yes | No | No | Yes |
| Mail Order Pharmacy Restriction | Yes | N/A | N/A | Yes |
| Specialty Pharmacy Restriction | Yes | N/A | Yes | Yes |
| Hormone Therapy | Covered | Covered | Covered | Covered |
| Tier 0 Prescription | Member Pays Nothing | 40% + Difference Between Plan Allowance and Billed Amount | N/A | Member Pays Nothing |
| Tier 1 Prescriptions | $10 Copayment | 40% + Difference Between Plan Allowance and Billed Amount | $15 Copayment | $10 |
| Tier 2 Prescriptions | 50% $200 Max | 40% + Difference Between Plan Allowance and Billed Amount | $75 Copayment | 30% $200 Max |
| Tier 3 Prescriptions | 50% $300 Max | 40% + Difference Between Plan Allowance and Billed Amount | 60% | 50% $200 Max |
| Tier 4 Prescriptions | 50% $350 Max | 40% + Difference Between Plan Allowance and Billed Amount | $120 Copayment | 30% $225 Max |
| Tier 5 Prescriptions | 50% $700 Max | 40% + Difference Between Plan Allowance and Billed Amount | $200 Copayment | 30% $225 Max |
| Tier 6 Prescriptions | N/A | 40% + Difference Between Plan Allowance and Billed Amount | N/A | 30% $275 Max |
Treatment, Devices, and Services: Comprehensive Coverage Options
A good health insurance plan offers comprehensive coverage for a range of treatments, devices, and services. Compare plans based on coverage for Applied Behavioral Analysis (ABA), chiropractic care, therapy services (occupational, physical, speech), mental health and substance use disorder services, infertility services, surgical procedures, hearing services, maternity care, hospice care, home health services, durable medical equipment, diabetes education, and nutritional counseling.
| Treatment, Devices, and Services | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Applied Behavioral Analysis (ABA) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment Or $50 Copayment | $15 Copayment |
| Chiropractic | Member Pays All Charges | Member Pays All Charges | $35 Copayment | $15 Copayment |
| Occupational Therapy | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment Or $50 Copayment | $15 Copayment |
| Physical Therapy | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment Or $50 Copayment | $15 Copayment |
| Speech Therapy | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment Or $50 Copayment | $15 Copayment |
| Professional Services (Mental Health and Substance Use Disorder) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment | $15 Copayment |
| Inpatient Hospital (Mental Health and Substance Use Disorder Services) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $350 Copayment | $75 Copayment $750 Max |
| Outpatient Hospital (Mental Health and Substance Use Disorder Services) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment | $15 Copayment |
| Infertility Services | 15% | 40% + Difference Between Plan Allowance and Billed Amount | 30% | $15 Copayment |
| Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | 30% | $15 Copayment |
| Artificial Insemination Services (e.g. ICI, IVI, IUI) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | 30% | $15 Copayment |
| Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services) | Member Pays All Charges | Member Pays All Charges | Member Pays All Charges | Member Pays All Charges |
| Surgical Procedures | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $150 Copayment | Member Pays Nothing |
| Reconstructive Surgery | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $150 Copayment | Member Pays Nothing |
| Gender Affirming Surgery | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $150 Copayment | Member Pays Nothing |
| Hearing Services | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment Or $50 Copayment | $15 Copayment |
| Hearing Aids (External) | Not Covered | Not Covered | Covered | Covered |
| Maternity Care | Member Pays Nothing | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | Member Pays Nothing |
| Maternity Care – Hospital Stay | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $350 Copayment | Member Pays Nothing |
| Hospice Care | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays Nothing | $5 Copayment |
| Home Health Services (Skilled Nursing Care) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | Member Pays All Charges | $15 Copayment |
| Durable Medical Equipment | 15% | 40% + Difference Between Plan Allowance and Billed Amount | 30% | Member Pays Nothing |
| Outpatient Rehabilitation (Skilled Nursing Care Facility) | 15% | 40% + Difference Between Plan Allowance and Billed Amount | $35 Copayment | $75 Copayment |
| Diabetes Education | Member Pays Nothing | Member Pays All Charges | $35 Copayment Or $50 Copayment | Member Pays Nothing |
| Nutritional Counseling | Member Pays Nothing | Member Pays All Charges | Member Pays Nothing | Member Pays Nothing |
Dental and Vision Coverage: Beyond Medical Benefits
While this comparison primarily focuses on medical benefits, dental and vision coverage are also important. Note whether each plan includes routine dental and vision exams, restorative dental care, orthodontics, and coverage for eyeglasses and contacts.
| Dental | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Routine Dental Exams and Cleaning for Adults | Yes | No | Yes | No |
| Routine Dental Exams and Cleaning for Children | Yes | No | Yes | No |
| Minor Restorative for Adults | No | No | No | No |
| Minor Restorative for Children | No | No | No | No |
| Major Restorative for Adults | No | No | No | No |
| Major Restorative for Children | No | No | No | No |
| Orthodontic | No | No | No | No |
| Vision | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
| — | — | — | — | — |
| Routine Eye Exams | Yes | Yes | No | No |
| Eye Exams for Medical Condition or Non-Surgical Treatment | Yes | Yes | Yes | Yes |
| Eyeglass Frames & Lenses | Yes | Yes | No | Yes |
| Contacts | Yes | Yes | No | Yes |
Alternative Care and Chronic Disease Management
Many FEHB plans offer coverage for alternative care services and chronic disease management programs. Check if plans cover services like acupuncture, massage therapy, and disease management for conditions like asthma, heart disease, hypertension, and obesity.
| Alternative Care | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Alternative Care | Yes | Yes | Yes | Yes |
| Chronic Disease Management: Asthma | Covered | Not Covered | Covered | Covered |
| Chronic Disease Management: Heart Disease | Covered | Not Covered | Covered | Covered |
| Chronic Disease Management: Hypertension | Covered | Not Covered | Covered | Covered |
| Chronic Disease Management: Obesity | Covered | Not Covered | Covered | Covered |
Plan Quality and Customer Service Ratings
Beyond costs and coverage, the quality of care and customer service provided by a health plan are crucial factors. The FEHB program provides quality ratings in several key areas, including controlling high blood pressure, diabetes management, prenatal care timeliness, appropriate antibiotic use, asthma medication management, breast cancer screening, and follow-up care after emergency department visits for mental health and substance abuse. Customer service ratings include overall plan satisfaction, claims processing, ease of getting needed care, and coordination of care. These ratings can offer valuable insights into the member experience with each plan.
| Quality & Customer Service | Aetna HealthFund HDHP and Aetna Direct Plan (HDHP) | Blue Cross and Blue Shield Service Benefit Plan (Basic) | GEHA Benefit Plan (HDHP) | MHBP Consumer Option (HDHP) |
|---|---|---|---|---|
| Controlling High Blood Pressure | ||||
| Hemoglobin A1c Control for Patients with Diabetes | ||||
| Timeliness of Prenatal Care | ||||
| Avoidance of Antibiotic Treatment for Acute Bronchitis/Bronchiolitis Ages 18 to 64 | ||||
| Asthma Medication Ratio | ||||
| Breast Cancer Screening | ||||
| Follow Up After Emergency Department Visit for Alcohol and Other Drug Abuse or Dependence 30 day | ||||
| Follow Up After Emergency Department Visit for Mental Illness 30 day | ||||
| Childhood Immunization Status—Combination 10 | ||||
| Use of Imaging Studies for Low Back Pain | ||||
| Overall Plan Satisfaction | ||||
| Claims Processing | NA | NA | NA | |
| Getting Needed Care | ||||
| Coordination of Care | NA |
Making Your Choice: Informed Decision-Making
This comparison tool provides a comprehensive overview to help federal employees compare health insurance plans. However, it is not an official statement of benefits. Before making your final enrollment decision, always refer to the individual FEHB brochure for the official statement of benefits. Carefully review the plan brochures and consider your personal healthcare needs, expected medical expenses, and risk tolerance to select the FEHB plan that offers the best value and coverage for you and your family.
Disclaimer: The information provided in this comparison is for informational purposes only and should not be considered as official benefit information. Always consult the official plan brochures for detailed and accurate benefit information.
