The FEHBP’s three prime numbers

When picking your 2015 FEHBP health plan there are three key numbers to know before you decide to stay with, or switch plans between now and Dec. 10.

The first number is easy. It’s the premium you will pay in each particular plan. That amount is guaranteed and nonnegotiable. If you sign up for a low-premium plan, like Kaiser HMO it will be about $1,180. Period. Even if you don’t use it.

If you sign up for a low-cost fee-for-service plan, like GEHA or Blue Cross basic, you will pay about $1,280 as long as you stay in their physician network.

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