Choosing a health benefit plan


Q. I am new federal employee. I am trying to choose a Federal Employees Health Benefits plan. Before I had this federal job, I was on the Veterans Affairs Department income contingent plan. I was using VA for health care due to my low income. I am 10 percent disabled, and my disability covered one-ninth of what I use VA for in terms of health. I would still like to use VA for health but have been told that FEHB and VA are not compatible. I have also been told that using VA with outside insurance will change the cost, and that VA cannot bill FEHB insurance. Can you help?

A. To better understand the FEHB program, its plans and the benefits they provide, go to There, you’ll find a rundown on the plans by state, be able to review individual plans, and comparison shop.


About Author

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

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