The FEHB is one of the world’s largest group insurance programs which is sponsored by the employers themselves. It covers about 9 million people in and around the US. The plans not just include employees but also ex-employees, the families, and the dependents like former spouses. The plans are free for service and offer the employees with the point of service products.
The conditions to enroll with USPS FEHB are as follows:
- You must be a permanent federal employee with a scheduled duty
- If you are a temporary employee, your appointment must be for over a year.
- If you are a temporary employee with a period of one year, you must have completed the given period of service.
- However, you are an intermittent employee, you will not be eligible to avail USPS FEHB or if you have been barred from your position by law.
After this, you must determine if you wish to be a part of the program. On confirming your eligibility, you will be contacted by the human resources to confirm if you wish to be a part of the program. However, you must remember that if you decline the offer, you would have to wait until the next open reason to take up the offer. Availing the offer will give you access to benefits like premiums, the contribution from the Government, plan options to choose from, and more!
The USPS FEHB will give you a copy of the Guide to Federal Employees Health Benefits Plans that you can use to understand all the available plans. You can choose the plan which suits your needs the best and request the brochures for the same to be given to you. You must read the brochure clearly to know what is the coverage offered, the rules or the exclusions, and most importantly, the limitations. The best part of this is the fact that every year, you can edit the health plan using the updated brochure to suit your needs accordingly. If you feel the current health plan suits your needs, you do not have to worry about it.