FEHB
Plans, premiums, and the windows in which you can change them.
- Networks Tiered networks: when in-network still costs more The same specialist can cost $30 or $70 in the same network. How tiers work, and the 2027 default nobody chose.
- Hearing Hearing aid coverage: what each FEHB plan pays Medicare pays nothing and FEDVIP does not cover them. The 2027 allowances, and the two plans that pay nothing.
- Fertility IVF and fertility coverage by FEHB plan for 2027 OPM requires IVF drugs but not the IVF procedure. Which plans pay for treatment, how much, and the switch that costs you a cycle.
- Blue Cross Blue Cross FEHB premiums for 2027: Standard, Basic and Focus Biweekly and monthly premiums for Standard, Basic and Focus, the copay changes, and what a full year costs.
- Diabetes Insulin, CGMs and diabetes supplies across FEHB plans The same CGM can be a copay in one plan and 30% coinsurance in another. What to check in each brochure.
- Eligibility FEHB plans you may not be allowed to join Open to all, open with a membership fee, or closed by employment. How to check before Open Season.
- Major dental Dental cover for major work: grafts, implants, periodontics Annual maximums, waiting periods and out-of-network allowances decide the bill. FEDVIP and VADIP compared.
- CHAMPVA CHAMPVA and FEHB: keep both or drop one? FEHB pays first, CHAMPVA pays last. The suspension rule that stops annuitant premiums without losing FEHB.
- TRICARE TRICARE and FEHB: which pays first Who pays first at each stage, and the suspension that stops annuitant premiums without losing the coverage.
- Appeals Fighting a denied FEHB claim: the deadlines Six months to the carrier, 90 days to OPM, and the court deadline that never moves.
- Open season FEHB Open Season 2027: dates, deadlines and what to check November 9 to December 14, 2026. What rolls over, what doesn't, and the checklist for the window.
- FSAFEDS FSAFEDS: the one election that doesn't roll over Your flexible spending account ends on December 31 unless you re-elect. Limits, carryover, and the HSA-compatible version.
- Open season What happens if you do nothing during Open Season What renews on its own, what ends, and the three situations where inaction costs real money.
- FEDVIP FEDVIP dental and vision: worth it or not? No government contribution, children covered only to 22, and very hard to cancel. When it still pays for itself.
- Coordination FEHB when your spouse has private coverage Which plan pays first, the birthday rule for children, and the four options worth pricing.
- New hires FEHB for new hires: your first 60 days The windows that open when you start, what is automatic, and the elections hardest to get back.
- Guide FEHB explained: plans, enrollment types and the government share How the 72/75 contribution formula works, and when you can switch.
- Enrollment Self Plus One vs. Self and Family: when one is cheaper For 2027, OPM lists 39 combinations where family costs less for the same two people.
- Plan types FEHB high deductible plans and the HSA: who they suit The 2027 limits, the HRA downgrade, and the Medicare six-month trap.
- Open season How to compare two FEHB plans in 20 minutes Four numbers, two totals, and the parts of the brochure worth reading.
Open Season for the 2027 plan year runs November 9 to December 14, 2026. OPM has published the 2027 premiums, and these guides and the estimator now carry them.