Open enrollment for health insurance is now underway, and the key to getting coverage is understanding the terms of your plan. You’ll want to know what a deductible is and how it affects your healthcare costs. Understanding co-pays, coinsurance, and out-of-pocket maximums is also essential—not only because they’re crucial to managing medical costs but because […]

Health insurance is a critical aspect of personal and family responsibility. Such benefits fall under the Federal Employee Health Benefits Program for federal employees. Under this program, the Office of Personnel Management (OPM) contracts with various private health insurance carriers to provide coverage to federal employees, retirees, and their families. Each year, the OPM announces […]

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