福利和承保范围(SBC)文件摘要将帮助您选择健康计划。SBC向您展示了您和计划将如何分享涵盖医疗服务的费用。注意:将单独提供有关此计划成本(称为保费)的信息。这只是一个摘要。请阅读包含本计划的完整条款的FEHB计划手册(RI 73-908)。所有好处都受FEHB计划手册中规定的定义,限制和排除约束。如果您有其他保险,例如Medicare,则收益可能会有所不同。有关通用术语的一般定义,例如允许金额,余额计费,共同保险,共付额,可扣除,提供商或其他下划线条款,请参见词汇表。您可以获取FEHB计划手册,并在feds.humana.com上查看词汇表。您可以致电800-448-6262请求任何一个文档的副本。重要问题回答为什么这很重要:
福利和承保范围(SBC)文件摘要将帮助您选择健康计划。SBC向您展示了您和计划将如何分享涵盖医疗服务的费用。注意:将单独提供有关此计划成本(称为保费)的信息。这只是一个摘要。请阅读包含本计划的完整条款的FEHB计划Brochure RI 72-001。所有好处都受FEHB计划手册中规定的定义,限制和排除约束。如果您有其他保险,例如Medicare,则收益可能会有所不同。有关通用术语的一般定义,例如允许金额,余额计费,共同保险,共付额,可扣除,提供商或其他下划线条款,请参见词汇表。您可以在www.afspa.org/fsbp上获取FEHB计划手册,并在www.afspa.org/fsbp上查看词汇表。您可以致电1-202-833-4910要求任何一个文档的副本。重要问题回答为什么这很重要:
福利和承保范围(SBC)文件摘要将帮助您选择健康计划。SBC向您展示了您和计划将如何分享涵盖医疗服务的费用。注意:将单独提供有关此计划成本(称为保费)的信息。这只是一个摘要。请阅读包含本计划的完整条款的FEHB计划手册(RI 71-009)。所有好处都受FEHB计划手册中规定的定义,限制和排除约束。有关通用术语的一般定义,例如允许金额,余额计费,共同保险,共付额,可扣除,提供商或其他下划线条款,请参见词汇表。您可以在www.nalchbp.org上获取FEHB计划手册,并在www.nalchbp.org上查看词汇表。您可以致电877-814-6252请求任何一个文档的副本。重要问题回答为什么这很重要:
福利和承保范围摘要 (SBC) 文件将帮助您选择健康计划。SBC 向您展示您和计划如何分摊承保医疗保健服务的费用。注意:有关此计划费用(称为保费)的信息将另行提供。这只是一个摘要。请阅读包含此计划完整条款的 FEHB 计划手册 ([插入手册编号])。所有福利均受 FEHB 计划手册中规定的定义、限制和除外条款的约束。如果您有其他保险,例如 Medicare,福利可能会有所不同。有关常用术语的一般定义,例如允许金额、余额账单、共同保险、共付额、免赔额、提供者或其他带下划线的术语,请参阅词汇表。您可以在 www.nalchbp.org 上获取 FEHB 计划手册并在 www.nalchbp.org 上查看词汇表。您可以致电 888-636-6252 索取任一文件的副本。重要问题解答为什么这很重要:
如果您的计划终止服务区内的保险或退出 FEHB 计划,您通过 FEHB 计划获得的任何补充牙科和/或视力保险也将终止。联邦雇员牙科和视力保险计划 (FEDVIP) 为符合条件的联邦雇员和退休人员提供牙科和视力保险。部落雇员没有资格享受 FEDVIP。有关更多信息,请阅读有关牙科和视力保险的更多信息。
2022年4月6日,拜登总统签署了《 2022年具有里程碑意义的邮政改革法案》(该法案)(公法号117–108)。 The Act created a new Postal Service Health Benefits Program (PSHBP) within the FEHBP, establishing new enrollment procedures and benefit programs for U.S. 邮政服务(USPS)员工,年金,然后是合格的家庭成员。 该法律终止了USPS的法定要求,要求每年为USPS员工提供预期的未来退休健康福利。 It requires Postal Service annuitants and then eligible family members who are entitled to Medicare Part A to enroll in Medicare Part B. Additionally, it requires PSHBP plans to provide prescription drug benefits to Postal Service annuitants and family members who are eligible for Medicare Part D through employment-based retiree health coverage.117–108)。The Act created a new Postal Service Health Benefits Program (PSHBP) within the FEHBP, establishing new enrollment procedures and benefit programs for U.S.邮政服务(USPS)员工,年金,然后是合格的家庭成员。该法律终止了USPS的法定要求,要求每年为USPS员工提供预期的未来退休健康福利。It requires Postal Service annuitants and then eligible family members who are entitled to Medicare Part A to enroll in Medicare Part B. Additionally, it requires PSHBP plans to provide prescription drug benefits to Postal Service annuitants and family members who are eligible for Medicare Part D through employment-based retiree health coverage.
承保信息................................................................................................................................................................................8 • 无既往疾病限制..........................................................................................................................................................8 • 最低基本承保 (MEC)........................................................................................................................................................8 • 最低价值标准.........................................................................................................................................................................8 • 您可以在哪里获取有关加入 FEHB 计划的信息.........................................................................................................8 • 适合您和您家人的加入类型.........................................................................................................................8 • 家庭成员承保.............................................................................................................................................................9 • 儿童平等法案.............................................................................................................................................................10 • 福利和保费何时开始.............................................................................................................................................11 • 当您退休时.............................................................................................................................................................11 • 当您失去福利时.....................................................................................................................................................11 • FEHB 承保何时终止.............................................................................................................................................11 • 离婚时.....................................................................................................................................................................11 • 临时延续承保(TCC)................................................................................................................12 • 转换为个人保险......................................................................................................................................12 • 健康保险市场........................................................................................................................................12 第 1 部分。本计划如何运作......................................................................................................................................13
保险信息 ................................................................................................................................................................................8 • 无既有疾病限制 ................................................................................................................................................................8 • 最低基本保险 (MEC) ................................................................................................................................................................8 • 最低价值标准 (MVS) ................................................................................................................................................................8 • 您可以在哪里获取有关加入 FEHB 计划的信息 .............................................................................................................................8 • 可供您和您的家人使用的保险类型 .............................................................................................................................................8 • 家庭成员保险 ................................................................................................................................................................9 • 儿童公平法案 ................................................................................................................................................................10 • 福利和保费何时开始 ................................................................................................................................................10 • 当您退休时 ................................................................................................................................................................11 当您失去福利时 ................................................................................................................................................................11 • FEHB 保险何时终止 ................................................................................................................................................................11 • 离婚时 ................................................................................................................................................................................11 • 临时延续保险(TCC)................................................................................................................11 • 转换为个人保险......................................................................................................................................12 • 健康保险市场..............................................................................................................................................12
保险信息 ................................................................................................................................................................9 • 无既有疾病限制 ................................................................................................................................................9 • 最低基本保险 (MEC) ................................................................................................................................................9 • 最低价值标准 (MVS) ................................................................................................................................................9 • 您可以在哪里获取有关加入 FEHB 计划的信息 .............................................................................................................9 • 可供您和您的家人使用的保险类型 .............................................................................................................................9 • 家庭成员保险 .............................................................................................................................................................10 • 儿童公平法案 .............................................................................................................................................................11 • 福利和保费何时开始 .............................................................................................................................................11 • 当您退休时 .............................................................................................................................................................12 当您失去福利时 .............................................................................................................................................................12 • FEHB 保险何时结束 .............................................................................................................................................12 • 离婚时 .............................................................................................................................................................12 • 临时延续保险(TCC)................................................................................................................12 • 转换为个人保险...................................................................................................................................12 • 健康保险市场...................................................................................................................................13
How This Plan Works ................................................................................................................................................12