{"id":28191,"date":"2024-12-19T22:00:00","date_gmt":"2024-12-19T22:00:00","guid":{"rendered":"https:\/\/one.sightlinemg.com\/federaltimes\/uncategorized\/2024\/12\/19\/what-federal-employees-need-to-know-about-2025-benefits-changes\/"},"modified":"2026-08-08T05:20:49","modified_gmt":"2026-08-08T05:20:49","slug":"what-federal-employees-need-to-know-about-2025-benefits-changes","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/federaltimes\/fedlife\/benefits\/2024\/12\/19\/what-federal-employees-need-to-know-about-2025-benefits-changes\/","title":{"rendered":"What federal employees need to know about 2025 benefits changes"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">With major changes coming to the Federal Employee Health Benefits (FEHB) plan, employees and retirees need to pay extra attention to what\u2019s new this year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the changes, premiums for most federal employees will be double the cost as last year \u2013 as high as 13.5%. And U.S. Post Office employees will be entering a new system, meaning it\u2019s more important than ever to go over your options and make an informed decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIt can be very overwhelming with all the options,\u201d said John Hatton, the staff vice president of policy and programs from the National Active and Retired Federal Employees Association (<a href=\"https:\/\/www.narfe.org\/\">NARFE<\/a>), a non-profit organization that advocates for the rights of federal employees and retirees. \u201cPeople can throw up their hands. But if you have educational resources, it can become more manageable. So, do a little research.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the major changes this year include:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Expanded fertility benefits, including IVF coverage and artificial insemination<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Anti-obesity medication coverage<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 The launch of the Postal Service Health Benefits (PSHB) program<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7 Dental and vision plan increases<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cindy Blythe, who retired from the U.S. Coast Guard and lives in Kansas, said she isn\u2019t considering any changes this year but will go over her options regardless.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI\u2019ve had my plans for several years. And my benefits are very good for me and my husband,\u201d she said. \u201cThe only thing I\u2019ve changed recently is I went to the Part D for prescriptions, and it\u2019s seemed a bit more expensive. But still, I feel quite comfortable with it.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even though Blythe said she isn\u2019t making any changes, she said she\u2019s happy with the new options coming to FEHB \u2013 and she\u2019s glad things like fertility and anti-obesity meds will now be covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In September, the U.S. Office of Personnel Management (<a href=\"https:\/\/www.opm.gov\/news\/releases\/2024\/09\/2024-open-season-ivf-fact-sheet\/\">OPM<\/a>) issued a press release on IVF changes. With FEHB serving 8.2 million people in the U.S., adding benefits like fertility coverage make it competitive with what is being offered in private industry.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cFEHB is vital to OPM\u2019s mission to attract and retain top talent in the federal workforce,\u201d the statement read. \u201cAccording to the most recent Federal Employee Benefits Survey, two thirds agreed that fertility benefits should be available through FEHB plans, including 76% of people born after 1981.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adding coverage for anti-obesity medication is another change in line with private industry, as these medications become increasingly popular.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The changes to the postal services plan mean that while most postal employees will have the same \u2013 or similar benefits \u2013 not everyone will. The Postal Service Health Benefits program (PSHB) is a new, separate program within the Federal Employee Health Benefits program (FEHB) that goes into effect in January 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dan Sipe, founder and financial planner for <a href=\"https:\/\/stwserve.com\/federal-retirement-planning\/\">Serving Those Who Serve<\/a>, a retirement planning firm for federal employees, said using comparison tools to determine what health care plan is best for your family is critical this year \u2013 so try out ones offered by <a href=\"https:\/\/www.opm.gov\/healthcare-insurance\/healthcare\/plan-information\/compare-plans\/\">OPM<\/a> and <a href=\"https:\/\/www.checkbook.org\/newhig2\/hig.cfm?&#038;utm_term=%2Bcheckbook%20%2Bfehb&#038;utm_campaign=2+-+Guide+to+Health+Plans+for+Federal+Employees&#038;utm_source=adwords&#038;utm_medium=ppc&#038;hsa_acc=7974922024&#038;hsa_cam=644296699&#038;hsa_grp=31524450042&#038;hsa_ad=313608186396&#038;hsa_src=g&#038;hsa_tgt=kwd-273473258790&#038;hsa_kw=%2Bcheckbook%20%2Bfehb&#038;hsa_mt=b&#038;hsa_net=adwords&#038;hsa_ver=3&#038;gad_source=1&#038;gclid=Cj0KCQjw4Oe4BhCcARIsADQ0cskROAO5qfubUKM0NpIPc0vvZAOCtYlrKyIH5EUr61jbfAZ0ZcjwL4IaAl5vEALw_wcB\">Consumer\u2019s Checkbook.<\/a> Federal employees and retirees can use them to estimate costs, compare plans, and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cYou simply cannot have too much quality information about your health plan and its operations, coverages and exclusions,\u201d Sipe said.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What federal employees and retirees need to know about 2025 benefits changes.<\/p>\n","protected":false},"author":7,"featured_media":79873,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":54,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[54,11],"tags":[],"coauthors":[3303],"class_list":["post-28191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-benefits","category-fedlife"],"acf":{"subheadline":"","legacy_arc_id":"RAFFFMEMOVD5PAI6ZB7UALH4PE","arc_canonical_url":"\/fedlife\/benefits\/2024\/12\/19\/what-federal-employees-need-to-know-about-2025-benefits-changes\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented 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