• Sun. Dec 3rd, 2023

Navigating Open Enrollment: A Guide to Switching Health Plans with Ease


Nov 20, 2023

As a retired government employee, Reg Jones is well-versed in retirement and the federal government. From 1979 to 1995, he served as an assistant director at the U.S. Office of Personnel Management, handling various issues such as recruiting, examining, white and blue collar pay, retirement, insurance, and other matters.

When it comes to switching health benefits plans during the annual Open Enrollment season, retirees have the freedom to make changes every year if they wish. In fact, NARFE (the National Active and Retiree Employees Association) has reported that a significant portion of retirees choose not to enroll in Part B because they already have adequate coverage without it.

If you’re considering switching from BCBS Standard (106) self-plus-one plan to GEHA High (313) in an effort to save money, it’s important to consider all factors before making a decision. You may want to research the specific benefits and costs associated with each plan and consult with a financial advisor or healthcare professional before making any changes.

It’s also worth noting that you may be able to switch back to BCBS if you don’t like GEHA after making the switch. However, this would depend on whether or not BCBS is still available during the next Open Enrollment season.

Finally, according to NARFE, a significant percentage of retirees choose to use both their FEHB plan and Medicare Part A only. This can provide comprehensive coverage for many individuals while potentially saving them money on premiums compared to enrolling in both Part A and Part B.

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