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Frequently Asked Questions Insurance

Plan Information

  • The average premium is a program-wide average of the enrollment charges for all individuals who are eligible to receive a Government contribution, with separate determinations for Self Only and for Self and Family enrollments.

    The average premium is recalculated every year. 

    Per FEHB law, the government will pay the lesser of: 75% of the carrier’s total premium, or 72% of the average premium.  The enrollee is responsible for the difference between the government contribution and the total premium.

    If the average premium increases, the maximum government contribution also increases.

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  • No.  FEHB law does not permit any exclusions or waiting periods for pre-existing conditions in any plan in the FEHB Program.  This is also true if you change plans after you retire. 
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  • The chart below shows which options are affected in 2016. These enrollees can choose to remain in Self and Family or select another health plan or plan option during the Open Season. See list below:

    Non Postal

    Plan Name

    Option

    Code

    Aetna Open Access

    HIGH

    2U

    Aetna Open Access

    HIGH

    2X

    NALC

    HIGH

    32

    Foreign Service Benefit Plan

    HIGH

    40

    Mail Handlers Benefit Plan

    STANDARD

    45

    Health Alliance Plan

    HIGH

    52

    Kaiser Foundation Health Plan of the Northwest

    HIGH

    57

    Kaiser Foundation Health Plan Northern California

    HIGH

    59

    Kaiser Foundation Health Plan Northern California

    STANDARD

    59

    Kaiser Foundation Health Plan Southern California

    HIGH

    62

    Kaiser Foundation Health Plan of Colorado

    HIGH

    65

    Aetna Health of Utah Inc.

    HIGH

    9K

    Health Net of Arizona, Inc.

    HIGH

    A7

    Health Net of Arizona, Inc.

    STANDARD

    A7

    Aetna Open Access

    HIGH

    C3

    Aetna Whole Health

    BASIC

    D9

    Kaiser Foundation Health Plan of the Mid-Atlantic States

    HIGH

    E3

    Aetna HealthFund CDHP/Aetna Value Plan

    CDHP

    EP

    Aetna Whole Health

    BASIC

    ES

    Aetna HealthFund CDHP/Aetna Value Plan

    CDHP

    F5

    Kaiser Foundation Health Plan of Georgia, Inc.

    HIGH

    F8

    Aetna HealthFund CDHP/Aetna Value Plan

    CDHP

    G5

    Geisinger Health Plan

    STANDARD

    GG

    Health Alliance Plan

    STANDARD

    GY

    Aetna HealthFund CDHP/Aetna Value Plan

    CDHP

    H4

    Coventry HealthCare of Kansas, Inc.

    HIGH

    HA

    Coventry HealthCare of Kansas, Inc.

    STANDARD

    HA

    Aetna Whole Health

    BASIC

    J9

    Aetna Open Access

    HIGH

    JC

    Aetna Open Access

    BASIC

    JC

    Aetna Open Access

    HIGH

    JN

    Aetna Open Access

    HIGH

    JR

    Aetna Open Access

    BASIC

    JR

    Aetna HealthFund CDHP/Aetna Value Plan

    CDHP

    JS

    Aetna HealthFund CDHP/Aetna Value Plan

    VALUE

    JS

    Kaiser Foundation Health Plan Northern California

    BASIC

    KC

    Kaiser Foundation Health Plan No. California

    HIGH

    NZ

    Presbyterian Health Plan

    HIGH

    P2

    Aetna Open Access

    HIGH

    P3

    Aetna Open Access

    BASIC

    P3

    Select Health of Utah

    HIGH

    SF

    Blue Shield of CA Access+HMO

    HIGH

    SI

    Aetna Open Access

    HIGH

    UB

    Aetna Open Access

    HIGH

    WQ

    Aetna Open Access

    HIGH

    YE

     

     

     

    Postal Employees Only

     

     

    Humana Health Plan, Inc.

    STANDARD

    C7

    Humana Health Plan, Inc.

    STANDARD

    MH

    Humana CoverageFirst

    CDHP

    TU

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