Your choices

Like Federal employees, retirees and their survivors, you could enjoy the widest selection of health plans in the country. You can choose from among:

• Consumer-Driven and High Deductible plans that offer:

  • Catastrophic risk protection with higher deductibles

  • Health savings/reimbursable accounts and lower premiums

• Fee-for-Service (FFS) plans, and their Preferred Provider Organizations (PPO) 

• Health Maintenance Organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan. 

• All plans offer preventative services at no cost when received from a Preferred Provider. This includes childhood immunizations, screenings for cancer, diabetes, and high blood pressure, and tobacco cessation services and medications. 

No matter where you live, you have 11 or more health plan options to choose from, each covering: Routine physical exams • Doctor’s office visits • Specialist visits • Lab tests • Prescriptions • Ambulance services • Inpatient hospital care • Surgery • X-rays • Maternity care• Urgent care • Mental health services • Stop smoking aids • Physical therapy • and more”

This OPM FEHB site- https://www.opm.gov/healthcare-insurance can be used by anyone to find the lowest cost NHB plans that matches both their unique health needs and personal budget constraints. It presents an opportunity to compare NHB plan cost and benefits with available private or ACA offerings.