The FEHB Program is a system of managed competition through which employee health benefits are provided to civilian government employees and annuitants of the United States government.
As a Federal employee or employee of certain tribes, tribal organizations or Urban Indian organizations, you are eligible to elect FEHB coverage, unless your position is excluded by law or regulation.
There are three broad types of plans, fee-for-service and PPO, usually offered in combination, HMOs, and high-deductible health plans and other consumer-driven plans.
During the FEHB Open season, eligible individuals may enroll to participate in the FEHB program. Outside of the open season, new employees can enroll within 60 days of being eligible for the program.
FEHB program offers federal employees a choice of multiple health insurance plans at a reduced rate and paid with pre-tax dollars.
The U.S. Government pays 72-75% of the premiums for each plan and employees are responsible for the remainder of the premium. The employee’s portion of the premium is taken from their pay.