• Switch to a different FEHB plan: Choose a plan that better fits your current health needs and budget.
• Change coverage levels: Update your plan from Self Only to Self Plus One or Self and Family, or vice versa.
• Add or remove dependents: Ensure your plan accurately covers your family members.

If you don’t take action during Open Season, your current FEHB plan will automatically renew for the next year. However, it’s a good idea to review your coverage, as plans can change premiums, benefits, and coverage areas. This ensures you’re not caught off guard by unexpected costs.

• Becoming newly eligible for the program (within 60 days)
• Moving outside of your current plan’s coverage area
• Special Open Seasons announced by the Office of Personnel Management (OPM) for members of specific plans

Yes, certain life events, such as marriage, birth of a child, or a significant change in employment status, qualify as Qualifying Life Events (QLEs). A QLE allows you to make changes to your FEHB coverage outside of the Open Season period. This is important to ensure your plan continues to meet your needs as your life circumstances change.

• Online: Using the OPM’s Open Season Online system, Employee Express, PostalEase, My Pay, Employee Personal Page (My EPP), or DOE Automated System.
• Phone: Call Open Season Express at 1-800-332-9798.
• Mail: If you choose to mail your request, it must be postmarked no later than the final date of Open Season. Send a completed enrollment form to by mail to:

  Office of Personnel Management
  Open Season Processing Center
  P.O. Box 5000
  Lawrence, KS 66046-0500

  Make sure to include your plan choice, type of coverage (Self Only, Self Plus One, or Self and Family), enrollment code, annuity claim number, and Social Security number. If you are choosing Self Plus One or Self and Family coverage, you will also need to include your eligible family member’s information and other insurance information as specified in the instructions mailed to you by OPM at the beginning of Open Season.

• Your plan selection, type of coverage (Self Only, Self Plus One, or Self and Family), and the enrollment code
• Your annuity claim number and Social Security number
• For Self Plus One or Self and Family coverage, provide information about your eligible family member(s) and other insurance details

1. Visit OPM.gov
2. Select the Insurance tab
3. Click on the FEHB Comparison Tool
4. Enter your zip code
5. Choose your enrollee type (Federal or U.S. Postal)
6. Select your pay frequency (bi-weekly)
7. Start comparing plans based on co-pays, prescriptions, deductibles, and other details

Any changes made during Open Season will take effect on January 1, 2024. Until that date, your current FEHB carrier will cover any medical services.

The 2024 FEHB premiums will be reflected in your February compensation payment.

Yes, dental plan changes can be made using the Federal Employees Dental and Vision Insurance Program (FEDVIP) Comparison Tool. The process is similar to comparing health plans.

• Hospital Stays: Out-of-pocket costs for long hospital stays can add up.
• Critical Illnesses: FEHB plans may not fully cover the expenses associated with cancer, heart attacks, or other serious illnesses.
• Dental and Vision Care: Some FEHB plans provide limited dental and vision benefits, which may leave you paying more out-of-pocket.

Our supplemental benefits, such as accident, hospital indemnity, and critical illness insurance, coordinate with your FEHB plan by paying out cash benefits directly to you. This means that you can use the funds for whatever you need, whether it’s covering deductibles, co-pays, or everyday expenses during a period of illness or injury.

Your supplemental benefits through United Benefits are separate from your FEHB plan. This means they will remain the same regardless of which FEHB plan you select. You won’t need to worry about re-enrolling in supplemental benefits if you switch your FEHB plan during Open Season.

• Accident Insurance: Helps cover unexpected costs if you or a family member has an accident.
• Hospital Indemnity Insurance: Provides financial support for hospital stays, which can be especially helpful for families with children.
• Critical Illness Insurance: Offers a lump-sum payment if diagnosed with a covered critical illness, reducing the financial burden during a challenging time.