High or low option for FEHB?


Q. I recently became eligible for Tricare Standard through my retirement with the National Guard. I am a federal worker who plans to retire soon. I have always carried high option with my Federal Employees Health Benefits. Now that I have Tricare as a secondary, does it make sense to switch to low or standard option with FEHB?

A. That’s something you’ll have to figure out for yourself. To do that, you’ll need to compare the coverage under each option with what Tricare offers. However, I’ve been told by others in your situation that electing a lower level of coverage has worked out well for them.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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