Federal Benefits
Open Season Highlights
2024 Plan Year
The Federal Benefits Open Season for the 2024 plan year for health insurance
under the FEHB Program, dental and vision insurance under FEDVIP
and flexible spending accounts under FSAFEDS will be held from
November 13 through December 11, 2023.
SEPTEMBER 2023
1
Federal Benefits Open Season Highlights
2024 Plan Year
The Federal Benefits Open Season for the 2024 plan year for health insurance under the
FEHB Program, dental and vision insurance under FEDVIP and flexible spending accounts
under FSAFEDS will be held from November 13 through December 11, 2023. Federal
Benefits Open Season gives Federal employees and other eligible individuals the
opportunity to review their plans, make changes, and enroll in one of 156 FEHB plan
choices for 2024.
The FEHB Program is market-based, centered on choice and competition. Major cost
drivers of our Program generally align with those in the commercial market. The major
drivers for 2024 are projected to include increases in cost and utilization of specialty and
brand name prescription drugs, emergency care, and outpatient care.
New for the 2024 plan year is an opportunity for eligible enrollees to receive additional
savings and enhanced benefits through a Prescription Drug Plan (PDP) Employer Group
Waiver Plan (EGWP) offered by 10 FEHB plans. This is in addition to the 28 FEHB plans
offering a Medicare Advantage Prescription Drug Plan (MA-PD) EGWP in 2024. This change
is projected to reduce total FEHB costs by approximately 2.8%, resulting in a more
moderate overall rate increase when compared to similarly sized employer groups.
Postal employees and annuitants remain enrolled in FEHB for 2024. Next year’s Open
Season will bring changes to this group with the inaugural Open Season for the new Postal
Service Health Benefits (PSHB) Program. More information about this new program, which
will begin on January 1, 2025, is below.
FEHB Rates and Changes
FEHB Rates
Established in 1960, the FEHB Program is the largest employer-sponsored health benefits
program in the United States. Today, the FEHB Program provides health insurance benefits to
approximately 8.2 million Federal civilian employees, annuitants, and their families, as well
as certain Tribal employees and their families.
The Government's share of premiums paid for the FEHB Program is set by law. Known as the
"Fair Share" formula it is designed to maintain a consistent level of Government
contributions, as a percentage of total program costs, regardless of which health plan or type
of enrollment enrollees elect.
The overall average increase in rates for the FEHB Program for 2024 is 5.8%.
• For most Federal employees and annuitants: the average Government contribution
will increase by 5.0%.
• The enrollee share will increase an average of 7.7%.
2
A rates chart is offered on opm.gov that provides the actual dollar premium change for each
FEHB plan choice and enrollment type. All prospective and current enrollees are encouraged
to review this carefully for specific changes to the enrollee share portion of the premium, with
a reminder that premiums should just be one factor in the enrollee decision. Enrollees should
evaluate all available information to include plan quality and specific coverage information to
make the best decision for themselves and their families.
Similarly Sized Employers
To provide perspective on the annual FEHB premium changes, OPM routinely benchmarks
itself against comparable large employers. The FEHB Program average 5.8% premium
increase for 2024 is slightly less than reported increases by comparable large employers.
• On July 18, 2023, CalPERS Board of Administration announced rate and plan changes
approved for 2024 at an overall average increase of 10.77%. CalPERS is the largest
purchaser of public employee health benefits in California, and the second largest
public purchaser in the nation after the federal government. CalPERS serves more
than 1.5 million members and their families in their health program and is similar in
structure to the FEHB Program as both active employees and annuitants have access
to the same plan options, benefits, and premiums.
• On August 22, 2023, the Business Group on Health (BGH) announced the results of
their Large Employer Health Strategy Survey. The survey posed a series of questions to
employers for their perspectives on topics such as the role that health and well-being
play in the workforce and actions needed to advance the quality of health care. BGH
surveyed 152 large employers representing 19 million lives and found that companies
project a 6% increase on average in their 2024 health insurance plan premiums and
costs.
• PriceWaterhouseCoopers’ (PwC) Health Research Institute (HRI) is projecting a 7%
medical cost trend in 2024, up from 6% in 2023, for both Individual and Group
markets. HRI surveyed US health plans covering 100 million employer-sponsored large
and small group members and 10 million ACA marketplace members. The higher
medical cost trend in 2024 reflects health plans’ modeling for inflationary unit cost
impacts with their contracted healthcare providers, as well as persistent double-digit
pharmacy trends.
• It is important to note that most employers do not offer coverage to their retirees and
those that do generally include those retirees in a separate risk pool. The FEHB
Program covers both annuitants and active employees in the same risk pool. Everyone
enrolled in a plan pays the same premium, regardless of age, health, or preexisting
conditions.
FEHB Cost Drivers Impacting 2024 Premiums
The largest contributor to the 2024 premium increase reported by FEHB carriers is increases
in medical trend, which measures the change in costs and utilization of services. Carriers
3
specifically noted increases in cost and utilization to specialty and brand drugs, emergency
room care, and outpatient care as primary drivers of increased trend.
FEHB Historical Annual Average Premium Increases
Before Open Season Movement
Year Average Percent Increase
Average Enrollee
Premium Increase for
Most Federal and
Annuitants
2024
5.8%
7.7%
2023
7.2%
8.7%
2022
2.4% 4.1%
2021
3.6%
4.9%
2020
4.0%
5.7%
Appendix D provides additional information on premium rates before and after changes in
enrollment during Open Season.
FEHB Plan Options
Eligible persons enjoy a wide choice of plans from which to choose. At a minimum, every single
FEHB enrollee has a choice of 17 nationwide fee-for-service plan options open to all and may
have a choice of 5 additional nationwide fee-for-service options available to certain groups.
The number of local or community-based HMOs varies by area. For example, for 2024, an
enrollee living in Washington DC has 42 plan options, while an enrollee living in Sioux Falls, SD
has 27 plan options. (Excludes Fee-for-Service (FFS) plans with availability limited to certain
groups).
For 2024, the FEHB Program has 67 participating carriers offering a total of 157 plan choices (in
2023, there were 271). The reduction in health plan choices is attributed mainly to the exit of
one carrier, Humana, from the FEHB Program which offered multiple plans with a total
enrollment of less than 10,000 subscribers (see chart below). There are:
• 17 nation-wide FFS plan options open to all (including HDHPs and CDHPs; in 2023, there
were 18)
• 5 FFS plan options with availability limited to certain groups (Compass Rose, Foreign
Service Benefit Plan, Rural Carriers Benefit Plan, and Panama Canal Area Benefit Plan)
(In 2023, there were 4)
• 135 Health Maintenance Organization (HMO) plan options (including HDHPs and
CDHPs; in 2023, there were 215)
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• In total, 15 High Deductible Health Plans and 8 Consumer Driven Health Plans are
offered in 2024, 4 of which are nationwide.
In 2024, the Plans listed below will no longer be offered in the FEHB Program. Enrollees in these
terminating plans must make a positive election into another FEHB plan choice during Open
Season or be automatically enrolled in the lowest-cost nationwide plan option with no
membership fees as determined by OPM. For Plan Year 2024, this will be the GEHA Indemnity
Benefit Plan, Elevate Option (Plan Code 254):
Terminating Plan
Plan Service Area
Aetna Open Access
Kansas City Metropolitan Area (Kansas and Missouri)
AultCare Insurance
Company
Stark, Carroll, Holmes, Tuscarawas and Wayne counties and
the Canton Metropolitan area in Ohio
Humana* CoverageFirst
CDHP/Value Plan
Phoenix and Tucson, Arizona; Daytona, Orlando, Tampa and
South Florida, Florida; Atlanta, Columbus and Macon, Georgia;
Chicago, Illinois; Central Illinois; Kansas City, Kansas/Missouri;
Lexington and Louisville, Kentucky; Cincinnati, Ohio; Austin,
Corpus Christi, Houston and San Antonio, Texas; Knoxville,
Tennessee.
Humana High Deductible
Health Plan
Phoenix and Tucson, Arizona; Daytona, Orlando, Tampa and
South Florida, Florida; Atlanta, Columbus and Macon, Georgia;
Chicago, Illinois; Central Illinois; Kansas City, Kansas/Missouri;
Lexington and Louisville, Kentucky; Cincinnati, Ohio; Austin,
Corpus Christi, Houston and San Antonio, Texas; Knoxville,
Tennessee.
Humana Health Plan
Central and Northwestern Illinois, Chicago, IL metropolitan
area, Denver and Colorado Springs, CO
Humana Health Plan Kansas City, KS/MO metropolitan area, Knoxville, TN,
Lexington, KY, Louisville, KY, Phoenix, AZ and Tucson, AZ.
Humana Health Plan of
Texas
Austin, Corpus Christi, Houston and San Antonio areas
Humana Medical Plan
Daytona, Orlando, South Florida and Tampa Area
Humana Employers
Health Plan of Georgia
Atlanta, Columbus and Macon, GA Area
5
Terminating Plan
Plan Service Area
Humana Health Benefit
Plan of Louisiana
Baton Rouge and New Orleans Area
Humana Health Plan of
Ohio
The Greater Cincinnati area including parts of Kentucky and
Indiana
Humana Health Plans of
Puerto Rico
The Commonwealth of Puerto Rico
Indiana University Health
Plans Select
25 Indiana Counties: Blackford, Boone, Brown, Carroll,
Clinton, Delaware, Fountain, Grant, Hamilton, Hendricks, Jay,
Johnson, Lawrence, Marion, Monroe, Montgomery, Morgan,
Orange, Owen, Putnam, Randolph, Shelby, Tippecanoe,
Tipton, and White.
UnitedHealthcare
Insurance Company, Inc.
Miami, Orlando and Tampa, FL and Atlanta, GA
*Humana is exiting the Employer Group Commercial Medical Products business, which
includes all fully insured, self-funded and Federal Employee Health Benefits medical plans,
over the next 18 to 24 months. For the FEHB Program, this will be for effective Plan Year 2024,
impacting less than 10,000 of our FEHB subscribers.
There is one new plan choice with an existing FEHB Carrier for 2024.
New Plan Choice with Existing FEHB Carriers for 2024
Plan Name
Option
Compass Rose (Nationwide closed plan) Standard Option
FEHB Program enrollees have several plan options available to them regardless of where they
reside. The chart below identifies examples of that.
Region State
Approximate
Number of
Enrollees
†
Number of Plan
Options Offered for
2024
Northeast
Maine
24,176
27
Southeast DC
156,310
42
Midwest
Illinois
115,620
31
6
Region State
Approximate
Number of
Enrollees
†
Number of Plan
Options Offered for
2024
West
New Mexico
39,141
30
†
Enrollee numbers are approximate since they are from 2022, as 2023 numbers are not
available.
Tribes and Postal Service Health Benefits Program
Tribes
• The FEHB Program provides coverage to employees of certain Indian tribes, tribal
organizations, and urban Indian organizations.
• Currently, 142 tribal employers
1
representing tribes, tribal organizations, urban Indian
organizations, and tribal grant schools have purchased FEHB coverage for
approximately 34,000 of their tribal employees with a total of 68,000 covered lives
(enrollees and family members).
Postal Service Health Benefits Program
• The Postal Service Health Benefits (PSHB) Program is a new, separate program within
the Federal Employees Health Benefits (FEHB) Program, administered by the Office of
Personnel Management (OPM), which will provide health insurance to eligible Postal
Service employees, Postal Service annuitants, and their eligible family members
starting on January 1, 2025. The PSHB Program coverage will replace FEHB Program
coverage for these groups.
• Postal Service employees, annuitants, and eligible family members may continue to
participate in the FEHB Program through December 31, 2024. The first opportunity to
select a PSHB plan will take place during Open Season in late 2024, and coverage
under the PSHB health benefits program will begin January 1, 2025. Postal Service
employees and Postal Service annuitants enrolled in FEHB plans on December 31,
2024, who did not enroll in a new PSHB plan during Open Season in 2024 will
automatically be enrolled in a PSHB plan.
Benefits Overview
FEHB
For the 2024 Plan Year, OPM is pleased to deliver enhanced benefit offerings in the following
areas across the FEHB Program: Fertility Benefits, FEHB and Medicare Coordination,
Pharmacy Benefit Design, Gender Affirming Care and Services, Maternal Health, Prevention
1
Section 409 of the Indian Health Care Improvement Act authorizes certain Indian tribes, tribal organizations and
urban Indian organizations that carry out specific programs to purchase coverage, rights and benefits under the
FEHB program.
7
and Treatment of Obesity, Mental Health and Substance Use Disorders, Telehealth, and
Antibiotic Stewardship. Enhancements and highlights of several of these benefits are detailed
below:
Fertility Benefits
OPM has made significant enhancements for 2024 in the provision of benefits to support
Federal employees in growing their families.
For Plan Year 2024, all Carriers will cover artificial insemination (AI) procedures (intrauterine
insemination (IUI), intracervical insemination (ICI), and intravaginal insemination (IVI)) and
specific AI drugs listed on the plan’s formulary. These AI drugs and the associated member
cost share will vary by plan.
Also in Plan Year 2024, all Carriers will cover specific IVF drugs listed on the plan’s formulary
for three cycles annually. Additionally, 24 health plan options, including national plan
options, will offer broader coverage of in-vitro fertilization (IVF) related services and benefits.
Benefits and member cost share will vary by plan and specific plan information can be found
in Section 5 of the benefits plan brochure. Appendix A provides a list of the 24 health plan
options providing broader IVF services and benefits.
2024 will see six plans offering members access to discounted or negotiated rates for non-
covered assisted reproductive technology procedures. These are known as Affinity Benefits
and can be found in the “Non-FEHB Benefits Available to Plan Members” section of the plan
brochures. Again, this emphasizes the importance of carefully reviewing all available
information when selecting a plan during Open Season that will best meet enrollees needs
throughout the next plan year.
Information on medical policies, definition of infertility and treatment qualifications for
fertility benefits will be easily located on every FEHB Carrier website and brochure.
FEHB and Medicare Coordination
FEHB and Medicare Part B
Almost half of FEHB Carriers offer plan options that provide additional benefits and other
incentives to eligible members who enroll in Medicare Part B. The Medicare Part B incentives
are generally of two types: either copay, coinsurance or deductible waivers; or Part B
premium reimbursement. The FEHB Plan Comparison Tool (PCT) makes this information
available to enrollees and identifies plan options with Part B incentives. The PCT includes a
display that allows individuals to see exactly what they are expected to pay if they are
enrolled in both Medicare Parts A and B, and FEHB.
Plans offer full Medicare Part B reimbursement for individuals who also enroll in the Carrier’s
Medicare Advantage Plan. Enrollees should check their brochures for additional benefits and
incentives that may also be offered. There is another plan offering this full reimbursement
beginning in Plan Year 2024; see Appendix B for a listing of that plan.
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Many plan options will continue to offer Medicare Part B reimbursement depending on the
FEHB enrollees’ participation in Medicare Part B or Medicare Advantage. For a list of plans
offering reimbursement for members enrolled in the Plan's Medicare Advantage Plan and
Medicare Part B, as well a list of plans that requires members to be enrolled in Medicare Parts
A and B to be eligible for the Part B reimbursement, see Appendix B.
Medicare Coordination of Benefits (COB) information is found in Section 9 of each FEHB plan
brochure.
FEHB and Employer Group Waiver Plans (EGWPs)
For Plan Year 2024, 39 FEHB plans will offer Medicare Advantage or Medicare Part D plans that
automatically coordinate with FEHB through an Employer Group Waiver Plan (EGWP). EGWPs
are offered either as a stand-alone Prescription Drug Plan (PDP) or a Medicare Advantage
Prescription Drug (MAPD) plan. For a list of the Plans offering MAPD and/or PDP EGWPs, see
Appendix C.
FEHB Carriers offering PDP EGWPs will auto-enroll eligible FEHB members. Members can then
opt out of the PDP EGWP if they choose and continue to have prescription drug coverage only
through their FEHB plan. For plans that are offering MAPDs, the FEHB member must contact
the plan to enroll.
By enrolling in an EGWP, members will be able to take advantage of other enhancements
provided under the Inflation Reduction Act
2
such as a $35 per month cap on insulin products
and coverage of substantially all CMS-defined Protected Class Drugs.
3
Gender Affirming Care and Services
OPM has continued its commitment in expanding covered benefits and access to gender
affirming care for transgender and gender diverse individuals. FEHB Carriers must cover
medically necessary interventions deemed appropriate for individuals, based on medical
necessity and a review of the individual’s circumstances. With recent updates to gender
affirming medical treatment from recognized entities such as the World Professional
Association of Transgender Health (WPATH), the Endocrine Society, and the Fenway
Institute,FEHB Carriers were asked to ensure that their medical policies on gender affirming
care and services for Plan Year 2024 are updated accordingly. Examples of these recent
updates include:
• Reduction in the number of required evaluation letters for initiation of treatment;
• Medical necessity of facial gender affirming surgery;
• Gender-affirming hormone therapy
2
Inflation Reduction Act and Medicare: Part D Improvements. Inflation Reduction Act and Medicare | CMS
3
Medicare Advantage and Part D Drug Pricing Final Rule (CMS-4180-F) | CMS Protected classes include: “1)
antidepressants; 2) antipsychotics; 3) anticonvulsants; 4) immunosuppressants for treatment of transplant
rejection; 5) antiretrovirals; and 6) antineoplastics; except in limited circumstances.”
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Information on gender affirming care and services available through plans will be readily
accessible to enrollees in Sections 5(b) and 5(f) of the plan brochures and on websites.
Maternal Health
OPM remains dedicated to addressing inequities in maternal health and asked FEHB Carriers
to address strategies in coverage shown to improve maternal health outcomes.
Improvements to coverage were made in the following areas:
• The majority of FEHB Carriers have adopted the Hear Her Campaign in 2024 for
patients and healthcare providers or are using other options to provide information
and raise awareness of potentially life-threatening warning signs during and after
pregnancy.
• Several Carriers continue to offer coverage for certified nurse midwives and perinatal
support services such as doulas, to provide a much-varied expertise of care and
expansion of the maternal health provider network.
• Carriers continue to have partnerships with hospitals whose standards align with the
“Birthing-Friendly” designation aimed at improving perinatal health outcomes and
maternal health equity.
Prevention and Treatment of Obesity
The FEHB Program offers comprehensive benefits in the prevention and treatment of obesity.
FEHB Carriers cover the full extent of Preventive Services recommended by the United States
Preventive Services Task Force (USPSTF) with an A or a B rating. Included in these
recommendations are obesity screening and prevention efforts for adults, children and
adolescents, and pregnant women. If screening indicates, then provider referral to an
intensive behavioral intervention that includes counseling in nutrition and a physical activity
regimen is expected to be covered as part of the benefit.
All FEHB Carriers also cover a variety of FDA approved anti-obesity medications on their
formularies and reinforce FDA indications that nutrition and physical activity regimens should
accompany drug treatment of obesity. Finally, FEHB Carriers adjusted their criteria for
metabolic surgery to reflect the most current guidelines such as those from the American
Diabetes Association, the American Academy of Pediatrics, and the American Society for
Metabolic and Bariatric Surgery. Refer to Carrier Letter 2023-01 for details.
Mental Health and Substance Use Disorder
To further support OPM’s ongoing efforts to improve access to Mental Health (MH) and
Substance Use Disorder (SUD) services, FEHB Carriers incorporated updated guidelines/tools
for better management of SUD.
96 percent of FEHB Carriers include primary care providers as part of their mental health
strategy and more Carriers are covering out-of-network providers at in-network rates.
Carriers also continue to implement network adequacy improvement strategies, such as
augmenting geographical-based provider networks with telehealth providers.
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For youth, all FEHB Carriers cover the United States Preventive Services Task Force (USPSTF)
recommendations to screen for major depressive disorder (MDD) in adolescents aged 12 to 18
years and to screen for anxiety in children and adolescents aged 8 to 18 years. Dependent on
the diagnosis, options for treatment include psychotherapy, pharmacotherapy, a
combination of both, psychosocial support interventions, and complementary or alternative
medicine approaches.
FEDVIP
OPM is adding some important new features to the FEDVIP program for Plan Year 2024 while
minimizing changes in enrollee premiums.
The 2024 average premium increase from plan year 2023 is 1.4% for dental plans.
• The increase is weighted by plan size based upon enrollment as of March 2023.
• The 2024 average premium increased from plan year 2023 by 1.1% for vision plans.
o The increase is weighted by plan size based upon enrollment as of March 2023.
• For the 2024 Plan Year, FEDVIP Carriers have made changes advantageous to enrollee
health to their plan offerings. For example:
o Seven dental carriers added coverage for the use of nitrous oxide when
medically necessary.
o Two vision carriers increased the frame allowance dollar amount.
o One vision carrier reduced copays for materials in their high option to $0 and
reduced their exam copay to $0 in their standard option.
• Carriers continue to improve member communications to ensure the use of inclusive
language in communications.
• Carriers remain committed to ongoing training of their customer service employees to
facilitate the use of member’s preferred name and pronouns.
• Twelve dental carriers provide 23 dental plan options available across the Program.
Seven dental carriers offer fourteen nationwide dental plan options available to all
potential enrollees.
• Five vision carriers provide 10 nationwide vision plan options available to all potential
enrollees.
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2024 FEDVIP Dental Carriers
Nationwide/International
Regional
Aetna Dental
Blue Cross Blue Shield Dental
Delta Dental’s Federal Employees Dental
Program
GEHA Connection Dental Federal
The MetLife Federal Dental Plan
United Concordia Dental
UnitedHealthcare Dental Plan
Dominion National
Emblem Health Dental
Health Partners Dental Plan
Humana Dental
Triple-S Salud
2024 FEDVIP Vision Carriers
Nationwide/ International
Aetna Vision Preferred
Blue Cross Blue Shield Vision
The MetLife Federal Vision Plan
UnitedHealthcare Vision Plan
VSP Vision Care
In total, FEDVIP provides dental and vision benefits to a total of over 7.5 million Federal
employees, uniformed service members, annuitants, and their family members. It provides
comprehensive dental and vision insurance at competitive group rates with leading dental
and vision Carriers. FEDVIP enrollees give the program high marks for quality and value.
FSAFEDS
OPM is excited to announce a major expansion of the Dependent Care Flexible Spending
Accounts (DCFSAs) to active-duty service members.
• In collaboration with the United States Department of Defense (DoD), OPM is
expanding eligibility to eligible military personnel (active-duty service members and
members of the Active Guard Reserve on Title 10 orders) effective January 1, 2024.
• The DoD estimates that approximately 400,000 service members have eligible
dependents and thus may be eligible for this benefit. By this collaboration, OPM and
DoD will be fulfilling a directive in Executive Order 14100 “Advancing Economic
Security for Military and Veteran Spouses, Military Caregivers, and Survivors” (June 9,
2023) to establish these flexible spending accounts.
• In addition to an extensive DoD educational campaign launched to ensure awareness
and understanding of this new benefit, FSAFEDS has created a special service member
landing page giving additional information directed to these newly eligible service
members.
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As in past years, Federal employees are encouraged to consider the tax savings available
through the Federal Flexible Spending Account Program (FSAFEDS). Setting aside the annual
amount they are projected to spend in out-of-pocket health, dependent care, dental and
vision expenses in a flexible spending account (FSA), saves Federal employees money.
Participants may carry over up to $610 of unused funds remaining in their health care flexible
spending account (HCFSA) and limited expense (dental and/or vision) flexible spending
account (LEX HCFSA) at the end of 2023 into 2024, if they re-enroll for the 2024 plan year.
Carryover is not available under the dependent care flexible spending account (DCFSA).
However, employees who choose a DCFSA enjoy an additional 2 ½ months grace period,
through March 15, 2024, to incur eligible expenses.
April 30, 2024 is the deadline to submit all 2023 DCFSA, HCFSA, and LEX HCFSA claims.
Key Dates for FEHB, FEDVIP and FSAFEDS
Early November:
• Full FEHB and FEDVIP plan brochures are available on the OPM website in a Section 508-
compliant format.
• Benefits information available on the Plan Comparison Tool
• Individuals may download a PDF version of the brochure for printing, if desired.
• Individuals may request a printed copy of brochures from individual carriers.
November 13: Open Season begins.
December 11: Open Season ends.
FEHB Effective Dates for Plan Year 2024
FEDVIP Effective Date for Plan Year 2024
o For enrollment during Open Season, the effective date is January 1, 2024.
Action
Most Non-Postal
Employees
Postal Employees
Compensationers
(OWCP)
Enroll, change
enrollment,
premium conversion
change in election
January 14, 2024 January 13, 2024 January 28, 2024
Cancellation January 13, 2024 January 12, 2024 January 27, 2024
13
FSAFEDS Effective Date for Benefit Year 2024
o For a new enrollment or an enrollment change, the effective date is January 1, 2024.
o For cancellation, the effective date is December 31, 2023.
14
Appendix A
Coverage of IVF Services and Drugs
In 2024, the following 14 FEHB plans, offering a total of 24 options, will provide broader
coverage of IVF:
o Blue Cross Blue Shield Service Benefit Plan (Standard Option only)
o Baylor Scott and White Health Plan (all options)
o Calvo’s SelectCare (all options)
o Foreign Service Benefit Plan
o Geisinger Health Plan (all options)
o Health Alliance HMO
o HMSA Plan (all options)
o Kaiser Permanente - Hawaii (all options)
o Sentara Health Plan (formerly known as Optima Health Plan) (all options)
o Presbyterian Health Plan (all options)
o Priority Health (all options)
o Rural Carrier Benefit Plan (all options)
o Sentara Health Plan, Northern VA (New Plan for 2024)
o UPMC Health Plan (all options)
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Appendix B
FEHB and Medicare Part B
Beginning in Plan Year 2024 there is one FEHB plan newly offering full reimbursement of
the Medicare Part B premium to persons also enrolling/enrolled in their Medicare
Advantage Plan:
o CDPHP Universal Benefits Inc. (Standard Option)
Serving: Upstate, Hudson Valley, and Central New York
There are 29 FEHB plans offering a total of 38 options that continue to reimburse some
or all of the Part B premium for members enrolled in the Plan's Medicare Advantage Plan
and Medicare Part B:
o Aetna Advantage (Advantage Option)
o Aetna Direct (Consumer Option)
o APWU (High Option)
o Compass Rose (High Option)
o Foreign Service Benefit Plan (High Option)
o Health Alliance HMO (Standard Option)
o HealthPartners (High Option)
o Kaiser Permanente - Colorado (High & Standard Options)
o Kaiser Permanente - Georgia (High & Standard Options)
o Kaiser Permanente - Hawaii (High Option)
o Kaiser Permanente - Mid-Atlantic States (High & Standard Options)
o Kaiser Permanente – Fresno, California (High & Standard Options)
o Kaiser Permanente - Northern California (High & Standard Options)
o Kaiser Permanente - Southern California (High & Standard Options)
o Kaiser Permanente - Northwest (High & Standard Options)
o Kaiser Permanente - Washington Core (High & Standard Options)
o MHBP (Standard Option)
o MD I.P.A. (High Option)
o NALC Health Benefit Plan (High Option)
o Rural Carrier Benefit Plan (High Option)
o SAMBA Health Benefit Plan (High and Standard Options)
o UnitedHealthcare Choice Open Access HMO (High Option)
o UnitedHealthcare Choice Plus Advanced (Tampa, Orlando, Miami, and Atlanta)
(Value Option)
o UnitedHealthcare Choice Plus Advanced (Chicago, San Antonio, DC, Northern
o Virginia, and Maryland) (Value Option)
o UnitedHealthcare Choice Plus Primary - East Region (High Option)
o UnitedHealthcare Choice Plus Primary - West Region (High Option)
o UnitedHealthcare Choice Primary - East Region (High Option)
o UnitedHealthcare Choice Primary - West Region (High Option)
16
o UPMC Health Plan (Standard Option)
The following six FEHB plans offering a total of seven options continue to provide Part B
reimbursement if you are enrolled in Parts A and B:
o Blue Cross Blue Shield Service Benefit Plan (Basic Option)
o Health Alliance Plan (High & Standard Options)
o Medical Mutual of Ohio Southwest (Standard Option)
o Medical Mutual of Ohio Northeast (Standard Option)
o UPMC Health Plan (Standard Option)
o GEHA Benefit Plan (High Option)
17
Appendix C
FEHB and Employer Group Waiver Plans (EGWPs)
There are 28 FEHB plans offering a total of 40 options with a Medicare Advantage
Prescription Drug Plan Employer Group Waiver Plan (MA-PD EGWP)
o GEHA Health Benefits Plan (
New for 2024
) (High & Standard Options)
o NALC Health Benefits Plan (High Option)
o Mail Handlers Health Benefit Plan (MHBP) (Standard Option)
o APWU Health Plan (High Option)
o Rural Carrier Benefit Plan (High Option)
o Foreign Service Benefit Plan (High Option)
o SAMBA Health Benefit Plan (High & Standard Option)
o Compass Rose Benefit Plan (High Option)
o CDPHP (New for 2024) (Standard Option)
o Health Alliance HMO (
New for 2024
) (Standard Option)
o HealthNet of California – Northern CA (High & Basic Options)
o HealthNet of California - Southern CA (High, Basic, Standard Options)
o Aetna Advantage (High Option)
o Kaiser Permanente – Colorado (High & Standard Options)
o Kaiser Permanente – Hawaii (High Option)
o Kaiser Permanente – Georgia (High & Standard Options)
o Kaiser Permanente - Northern California (High & Standard Options)
o Kaiser Permanente - Fresno California (High & Standard Options)
o Kaiser Permanente - Southern California (High & Standard Options)
o Kaiser Permanente - Mid-Atlantic States, Inc. (High & Standard Options)
o Kaiser Permanente - Northwest (High & Standard Options)
o MD Individual Practice Association (High Option)
o UHC Choice Plus Primary (East Region) (High Option)
o UHC Choice Plus Primary (West Region) (High Option)
o UHC Choice Primary (East Region) (High Option)
o UHC Choice Primary (West Region) (High Option)
o United Healthcare Insurance Choice Open Access – Health Maintenance Organization
(High Option)
o United Healthcare Insurance Company Choice Plus Advanced – An Open Access Value
Option (High Option)
One FEHB plan with a total of two (2) options will continue to offer a Medicare
Advantage Employer Group Waiver Plan (MA EGWP)
o Kaiser Permanente - Washington Core (High & Standard Options)
18
In 2024, 10 FEHB plans with a total of 17 options will offer a Prescription Drug Plan
Employer Group Waiver Plan (PDP EGWP)
o BCBS Service Benefit Plan FEP (Standard, Basic, Blue Focus Options)
o NALC Health Benefits Plan (High Option)
o Mail Handlers Health Benefit Plan (MHBP) (Standard, Value Plan, Consumer Options)
o APWU Health Plan (High Option)
o Rural Carrier Benefit Plan (High Option)
o Foreign Service Benefit Plan (High Option)
o SAMBA Health Benefit Plan (High& Standard Options)
o HealthPartners (High & Standard Options)
o Aetna Direct – (Consumer Option)
o Aetna Open Access (High & Basic Options)
Six FEHB plans with a total of nine (9) options will offer both a Medicare Advantage
Prescription Drug Plan Employer Group Waiver Plan (MA-PD EGWP) and Prescription
Drug Plan Employer Group Waiver Plan (PDP EGWP)
o NALC Health Benefits Plan (High Option)
o Mail Handlers Health Benefit Plan (MHBP) (Standard, Value Plan, Consumer Options)
o APWU Health Plan (High Option)
o Rural Carrier Benefit Plan (High Option)
o Foreign Service Benefit Plan (High Options)
o SAMBA Health Benefit Plan (High & Standard Options)
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Appendix D
Pre and Post Open Season Premium Rates
The two columns on the left show the average increase should no one change options during
Open Season. The two columns on the right show the actual premium increases for the past
four years. This highlights the importance of enrollees shopping during the Open Season.
There are high quality options available, potentially at lower premium rates and every FEHB
enrollee should be sure to evaluate during Open Season.
Year
Average Premium Increase Before
Open Season Movement
Average Premium Increase After
Open Season Movement
Average Total
Premium
Increase
Average
Enrollee
Premium
Increase for
Most Federal
Employees and
Annuitants
Average Total
Premium Increase
Average Enrollee
Premium Increase
for Most Federal
Employees and
Annuitants
2024/2023 5.8% 7.7% Not available Not available
2023/2022 7.2% 8.7% 6.0% 6.8%
2022/2021 2.4% 4.1% 1.5% 2.4%
2021/2020 3.6% 4.9% 2.6% 3.0%
2020/2019 4.0% 5.7% 2.9% 3.5%
