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2023 FEHB Plan Results

Results for coverage in 08901 for Federal & U.S. Postal Employee paid Biweekly

Please note the benefits displayed on this page are for in-network benefits only! To see out-of-network benefits, please select up to 3 plans to compare.

The amounts displayed on this page represent the member’s liability for each service.

Self
Self
Self Plus One
Self Plus One
Self & Family
Self & Family
You may only select 3 plans to compare at once

Need more information about plan types?

Type of Plan Features Trade-offs
Fee-For-Service with a PPO (Preferred Provider Organization)
  • See any doctor without referral
  • Nationwide and worldwide coverage
  • When you use an in-network doctor or hospital, you pay less
  • You may have to pay more out-of-pocket for services than you would with other plan types
HMO
  • Simpler costs: your out-of-pocket cost for a service is usually limited to a fixed dollar copayment rather than a percentage of the cost
  • Some HMOs offer a Point-of-Service product allowing you to use an out-of-network provider
  • Generally you must use in-network doctors and hospitals
  • Usually you need a referral to see a Specialist
High-Deductible

with a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA)

  • Covers high-cost medical events
  • Your health plan deposits money from your premium into a health savings account (HSA)
  • You make tax-free withdrawals for qualified medical expenses (see list at IRS Publication 502)
  • The account is yours-it's "portable" if you retire or leave government
  • Lower premiums
  • Annual deductible could be higher for HSA-plans
  • Federal rules determine your eligibility for an HSA
  • If you cannot qualify for an HSA, the plan will provide a health reimbursement arrangement (HRA). See "Consumer-Driven with a medical fund" description below for HRA criteria
  • Cannot qualify for HSA if you are covered by any other health plan, including Medicare, a flexible spending account or are a dependent on someone else's tax return
Consumer-Driven

with a medical fund

  • Your health plan puts money into a medical fund for you
  • If your medical expenses for the year are less than the amount of your medical fund, you pay nothing out-of-pocket
  • Lower premiums
  • You must pay annual deductible if health expenses exceed the amount of your medical fund
  • Medical fund is not portable if you retire or leave government, not interest-bearing, and you can never add money to it

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Select Plan Plan Name (Plan Code) - Enrollment Code
The Plan name depicted on the Plan Brochure; may be associated with more than one Plan Code and Plan Code Option Type.
A 3-digit code, reflecting the combination of the 2-character Plan Code and the 1-digit enrollment code. Enrollment codes reflect: Self Only (1,4), Self Plus One (3, 6), and/or Self and Family (2, 5).
 Enrollee Premium
Premium: The amount a member pays for health insurance, usually once or twice a month depending on agency pay schedules.
 Annual Deductible
Annual Deductible: The amount you may have to pay for covered health care services before the plan begins to pay.Some plans have both an overall deductible for all or most covered items/services, but some also have separate deductibles for specific types of services (e.g.prescription services).
 Annual Out of Pocket Maximum
Annual Maximum Out of Pocket: Yearly amount set as the maximum amount required to be paid by you for cost sharing (e.g. copayments, deductibles and coinsurance) during the plan year for covered, in-network services.
Medical Account (HRA/HSA)
Does the plan offer Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs)?
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Self Plus One
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This plan is only open to specific groups -
Self & Family
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