U.S. Office of Personnel Management - Recruiting, Retaining and Honoring a World-Class Workforce to Serve the American People

Appendix A FEHB Program Features

• 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 plans, (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 opportunities. Each year you can enroll or change your health plan enrollment. The Open Season runs from the Monday of the second full work week in November through the Monday of the second full work week in December.
• Continued group coverage. Eligibility for you or your family members may continue following your retirement, divorce or death. See your Human Resources Office or retirement system 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/planinfo/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.

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