Page 69 - The Informed Fed--Hearn Wealth Management

your family? Do you have any specialist needs? Remember, the healthier
you are, the lower options of the consumer-driven and High-Deductible

Health P consider what health services
are important to you. Think about well child checkups, chiropractic care,
mental health, emergency services, preventative screenings and

hospitalization. There are probably only a few of these services that are
important to you, and these needs will change over the years, which is

intimidating. Although they are supposed to make choosing a plan easier,

they often serve the opposite purpose. They appear overwhelming and,
as a result, many employees simply stay with the same plan from year-to-

take a closer look: OPM did a great thing for you in terms of the plan
documents. Any insurer who provides coverage under the federal health
plan must organize their plan documents in the same format. This means

that all the plans will have similar features in approximately the same
place in each document. An example: any plan changes are documented

aware of any changes to the plan for the upcoming year. Detailed benefit

descriptions al

of all plan benefits always appears in section 11.

how it integrates with your federal employee health benefits. One of the

most common questions we hear is what to do about Medicare and my
federal employee health benefits when I turn 65. There are four
components to Medicare:

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