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Thread: FEHB Health Premiums up

  1. #37

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    Default Re: FEHB Health Premiums up

    Mine (402) only increased 2% but if I changed from Family to Self+1 it would only be a 1% increase. I'm glad I changed before I retired as it's still way lower than BCBS Standard.

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  3. #38

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    Default Re: FEHB Health Premiums up

    Quote Originally Posted by Stoplight View Post
    OTOH, as a Fed, do the premiums change when you become eligible for Medicare ? Not that I can see !!!
    Medicare becomes your primary and if you keep FEHB it will be supplemental. Rates are the same for retiree & federal employee, which tend to increase annually. What agency do you currently work for?

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  5. #39

    Default Re: FEHB Health Premiums up

    Quote Originally Posted by Stoplight View Post

    OTOH, as a Fed, do the premiums change when you become eligible for Medicare ? Not that I can see !!!
    Stoplight...
    I am soon to be Medicare eligible. No change in premium but you do get a reduction in deductibles and copays if you elect Medicare Part B (there is a premium for Part B). I'm still trying to figure out the best combination of plans. Spouse is not Medicare- Eligible yet.

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  7. #40

    Default Re: FEHB Health Premiums up

    Quote Originally Posted by evilanne View Post
    Medicare becomes your primary and if you keep FEHB it will be supplemental. Rates are the same for retiree & federal employee, which tend to increase annually. What agency do you currently work for?
    Evil,

    Fortunately, I retired in 2012 !!!



    Quote Originally Posted by Scout333 View Post
    I am soon to be Medicare eligible. No change in premium but you do get a reduction in deductibles and copays if you elect Medicare Part B (there is a premium for Part B). I'm still trying to figure out the best combination of plans. Spouse is not Medicare- Eligible yet.

    Scout,

    That's a nugget I did not realize !!! Can you steer me to someplace with info on how that works, in the FEHB health plans ? What happens if you DON'T select Part B ???

    I think the Part B premium is somewhere ~ $125/month or so. I won't be Medicare eligible for a few years yet, but sounds like you're right...I'll have to do some more number-crunching, to see what makes sense !


    Thanks for the responses !!!


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  9. #41

    Default Re: FEHB Health Premiums up

    "What happens if you DON'T select Part B ??? "

    If you don't elect to join Part B at 65, your FEHB plan continues as primary insurance, but provider compensation is lowered to the Medicare level. That shouldn't affect the patient.

    Also, if you change your mind some years later, there is a permanent premium increase of 10% penalty for each year of delay. Also, watch the income thresholds because the increased premium for Part B due to income surprises some people.

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  11. #42

    Join Date
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    Default Re: FEHB Health Premiums up

    Each FEHB plan should address medicare; FEHB = Medicare Part B + Part D (Prescriptions)
    https://www.medicare.gov/what-medica...ers/index.html

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  13. #43

    Default Re: FEHB Health Premiums up

    Stop I got my information from Blue Cross. They mailed me a brochure that explained what happens when you merge Medicare and federal BCBS. I assume without Part B you keep your regular deductibles and copays. I'm still researching. If I get other info I'll pass it on.







    Scout,

    That's a nugget I did not realize !!! Can you steer me to someplace with info on how that works, in the FEHB health plans ? What happens if you DON'T select Part B ???

    I think the Part B premium is somewhere ~ $125/month or so. I won't be Medicare eligible for a few years yet, but sounds like you're right...I'll have to do some more number-crunching, to see what makes sense !


    Thanks for the responses !!!


    Stoplight...[/QUOTE]

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  15. #44

    Join Date
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    Default Re: FEHB Health Premiums up

    OK- the NEW FEDERAL EMPLOYEE HEALTH BENEFIT RATES FOR 2020 ARE NOW PUBLISHED!!!


    You can go to the OPM website, and see what the premiums are going to be for 2020, as well as see plan changes and new plans available.
    Here is the link:

    https://www.opm.gov/healthcare-insur...tion/premiums/


    Enjoy! !

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  17. #45

    Join Date
    Apr 2008
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    Default Re: FEHB Health Premiums up

    Quote Originally Posted by James48843 View Post
    OK- the NEW FEDERAL EMPLOYEE HEALTH BENEFIT RATES FOR 2020 ARE NOW PUBLISHED!!!


    You can go to the OPM website, and see what the premiums are going to be for 2020, as well as see plan changes and new plans available.
    Here is the link:

    https://www.opm.gov/healthcare-insur...tion/premiums/

    Enjoy! !
    Thanks for the information James
    May the force be with us.


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  19. #46

    Join Date
    Sep 2006
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    Rocky Mountain High
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    6,960

    Default Re: FEHB Health Premiums up

    Looks like about a 15% increase in my premiums, with no expected pay raise for 2020. Thanks for nothin'!

    Quote Originally Posted by James48843 View Post
    OK- the NEW FEDERAL EMPLOYEE HEALTH BENEFIT RATES FOR 2020 ARE NOW PUBLISHED!!!


    You can go to the OPM website, and see what the premiums are going to be for 2020, as well as see plan changes and new plans available.
    Here is the link:

    https://www.opm.gov/healthcare-insur...tion/premiums/


    Enjoy! !
    Weatherweenie's Account Talk
    Teddy Roosevelt: Patriotism means to stand by the country. It does not mean to stand by the president or any other public official. Retired on November 30, 2023 with 30+ years of service.

  20.  
  21. #47

    Join Date
    Jul 2012
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    Default Re: FEHB Health Premiums up

    Premiums keep going up, benefits keep going down. The same health plan I had for years had a pretty nice cost increase, meanwhile, it now only covers 1 dental cleaning per year (used to be 2)

    I need to take a deeper look at the comparisons over the years of how much crappier the coverage has gotten to see how hard we're getting screwed

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  23. #48

    Join Date
    Sep 2006
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    Upstate NY
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    Default Re: FEHB Health Premiums up

    Yeah I got hit the past year with a ~$150 dental bill to cover an x-ray. Dentist didn't realize that benefit had been removed for 2020 and neither did I.

    It's only going to get worse. Think of all those people who are wasting time getting (free) COVID tests "just to be safe". Someone has to pay for that.

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