TOPICS
TOPICS
FEHBP open season nears as Congress considers major health care reform
As Congress crafts a health care reform package, this year's open season for the Federal Employees Health Benefits Program takes on even greater importance. From Nov. 9 to Dec. 14, government workers can make changes to their health, dental, vision and flexible spending account benefits, switch plans or cancel their enrollment without penalty. Employees enrolled in the Long Term Care Insurance Program will be able to modify their plans until Feb. 15, 2010. Click here for our guide to Open Season 2009.
New this year is "Managing My Own Health," a set of tools on the Office of Personnel Management's Web site to help streamline medical visits and compare how various states and insurance plans handle diagnosis and treatment of specific conditions. Also new is out-of-network coverage for mental health and substance abuse services on par with physical health benefits, as well as several plans that cover childhood obesity and diabetes treatment.
Insurance premiums for FEHBP plans on average will increase 8.8 percent, or $9.21 per pay period, compared with 2009 rates, according to figures OPM released on Sept. 29. This is a sizable increase: Premiums jumped an average of 7 percent in 2009 and 2.1 percent in 2008. In 2010, the typical employee will see premiums increase $5.98 per pay period for individual coverage, and $12.87 per pay period for family coverage. The cost of dental coverage will increase 4.2 percent, and vision insurance prices will rise 2.4 percent. For some federal employees enrolled in the long-term care program, premium hikes will range from 5 percent to 25 percent.
In the lead up to this year's open season, ending or modifying FEHBP has been a topic of Senate debate, and key players have discussed proposals for reducing prescription drug costs for feds. In addition, a provision in the health care reform bill crafted by the Senate Finance Committee would levy a 40 percent tax, beginning in 2013, on the overall value of health insurance plans that cost more than $8,000 for individuals and $21,000 for families. By some calculations, FEHBP plans already are above the threshold designated for the excise tax, should it be enacted.
According to OPM, a few questions to consider when exploring a change in your plan include:
- Do you expect medical needs for you and your family to extend beyond routine care?
- Have your benefits changed in the past year?
- What are the premium rates for 2010?
COMMENTS
- “This is about the Dems buying more votes from their base which are lazy non-producers and illegal aliens.” “crl’, could you be any more un-American? Democracy, which we strive towards if not quite achieve, is a balancing act premised on an irregular change in leadership that responds to the excesses of any specific party. Please note that it’s been the Party Pachyderms in control of congress for the vast majority of the past 3 decades. Yes, I realize that for a LOT of Americans, bigotry is just fine as long as you wave the banner but PLEASE try to change that channel occasionally. You've been listening to Flush (Limburger), Clem (Speck), and Spawn (Insanity) FAR too long! Look, all you have to do is "Just say, NO!” and TRY to think original thoughts. "When the Chinese and Saudis start to dump their worthless trillions of dollars on the market due to Obama printing money like a mad man we will have no more credit on the world banking market." "crl", you just HAVE to take a course in economics and recent history; well, either that or watch the "Making of Chimerica"! You have the wrong presidency for that particular slippery slope! "Most of these uninsured are [...] young people who don't want insurance yet." You are flat wrong, unless you're talking about single 18 - 20 year old males who have yet to feel their mortality. Young folks with families are BEGGING for coverage, my friend! They are the ones who need prenatal and pediatrics care and can least afford it! "ignore our o[w]n oil reserves(our only hope at prosperity),"; well, at least until it runs out. Have you ever realized that when the rest of the world’s oil is gone (nonrenewable energy sources), and if we research and invest in alternate fuel sources, we will be the sole source of the petrochemicals that our nation has built its industries on? "crl", I realize I’ve submitted much of this response before; but I keep these articles and comments and saw your comment cut and pasted verbatim from “cb4850’s” to the “Lawmakers say Senate health care bill could hit feds with new taxes”. I resubmit this in the hope that you might finally see something that may cause you to do a little research, thinking, and reconsider these positions. Tip off Posted November 2, 2009 10:26 AM
- This is about the Dems buying more votes from their base which are lazy non-producers and illegal aliens. This is going to bankrupt America. When the Chinese and Saudis start to dump their worthless trillions of dollars on the market due to Obama printing money like a mad man we will have no more credit on the world banking market. Most of these uninsured are illegal or young people who don't want insurance yet. We are struggling as it is, now I will be asked to pay another 4000 + more taxes for the bums of the world. He already blew 1 Trillion on a non existant bailout, 100 billion to save the UAW Mafioso choke hold on the Auto industry. The USA is in big trouble. We have to vote the socialists out in 2010 or we will see 20% unemployment. Socialism killed the USSR. Oh yeah we are also going to kill the coal industry(300 years of energy independance), ignore our on oil reserves(our only hope at prosperity), never use nuclear (unlike the rest of the civilized world), all because of the greatest hoax the world has ever seen in man made global warming. 1500 per year energy tax included. crl Posted October 27, 2009 9:25 AM
- Our federal health care planners have focused too many years on insurance, rather than on what most federal employees need--assistance with, and speedy payment of routine health care costs and the once or twice in a lifetime major medical condition. Insurance is set up like legalized gambling. The house always wins. Federal monies have too long supported the growth of health insurance companies. Why hasn't the federal government considered "self-insuring" routine medical/dental/vision needs with employee/federal matched health care monies? If an independent study (not constructed with the stats insurance carriers will supply) of federal employees was made to determine how much money the employee/federal government sets aside for coverage, I believe we would find that not only could we pay for our routine care (allowing federal employees to chose their care providers), but the amount left over could cover most of the federal employee major medical costs as well. To keep health insurance profit margins high and allow HMOs to expand facilities, federal employee health care premiums have been increased while customer service and benefit payments have decreased. Most private physicians and dentists cannot wait 4 months for payment, and that is the routine wait after providing pre-approval documents, x-rays, to the primary insurance company before they determine that they do not cover the procedure in their basic plan, so the secondary insurance carrier may ask for another set of documents (including x-rays), pay their small coverage (reduced by co-pay, what the insurance carrier won't pay, and a "deductible" unevenly distributed throughout the year), so that the pre-tax money set aside by the conscientious employee will be returned to them. I don't want a "nifty" health care website, health advice (that's what we pay my health care providers for delivering). I simply want timely access to the funds we set aside each month to pay for the routine care I need. If funds not used in routine care are left in the pool from year to year, we'd probably be able to self-insure the major medical conditions as well. American health care should be owned by the nation, not for-profit insurance companies. The federal employee health care plan should set a national example of good and efficient use of employee and federal tax dollars. Fed Up Fed Posted October 26, 2009 5:56 PM
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