Simplifying the Process of Changing Health Plans during Open Enrollment

Reg Jones, a charter member of the senior executive service, is a renowned expert in retirement and government affairs. From 1979 until 1995, he served as an assistant director of the U.S. Office of Personnel Management responsible for recruiting, examining, white and blue collar pay, retirement, insurance, and other issues. His opinions are his own.

One of the many benefits of the Federal Employees Health Benefits (FEHB) program is its flexibility to switch from one health benefits plan to another during the annual Open Enrollment season every year if desired. NARFE (the National Active and Retiree Employees Association) has reported that most retirees do not enroll in Part B because they have adequate coverage without it.

As I approach my sixth year since retiring from the Department of the Interior and my wife and I are currently on Medicare Part A (not B), I’m considering making a switch to GEHA High (313) to save some money. However, before I make any decisions, I’m wondering if this would be an easy transition or if there is something else I should consider. Additionally, if I decide that GEHA High (313) isn’t right for me after all, can I switch back to BCBS? Lastly, what percentage of retirees use FEHB and Medicare Part A only?