![]() The best strategy to choose a plan is to use the estimated yearly cost for a family like yours as the primary factor in plan selection. Or you may have more than one doctor you want to keep and conclude that the national plan is well worth the higher cost. Perhaps your doctor is affiliated with the HMO-why not ask? Or consider using part of the money you will save by joining the HMO to continue going to your doctor and paying out-of-pocket (using a Flexible Spending Account will cut this cost by a third). This seems to be an impasse, but there are several possible ways to resolve it. But you are unwilling to give up a doctor you have been using for years. Let's say that our ratings show that the HMO costs $1,000 dollars a year less on average and has slightly better coverage for a benefit you need. For example, suppose it turns out that your choice is between a national plan and an HMO. These differences may not be strictly financial. One way to do this is to write out the most important ways in which the plans differ. When you have figured out the major differences among the best plans, you are ready to make your final decision. Probably the plans will be similar on most things, so concentrate on differences that are important to you. Then you can search on a word such as "maternity" or "surgery" or "chiropractor" in the brochure for each plan and find the benefit details in seconds. It is very easy to use our Guide, or OPM, to find copies of plan brochures for your area. Underline key points, or parts of the plans that confuse you, and compare these points among the plans. Consider how important it is to retain your doctor(s).Īt this point, compare the brochures of these plans carefully.Focus on any special needs, circumstances, or benefits that are important to you that aren't reflected in the cost comparisons.Use the Guide's yearly cost comparisons, which are personalized based on the information you tell us, to find the handful of plans where your costs are likely to be relatively low.There are three important steps to follow to narrow down the selection of plans: ![]() From gutter cleaning and preparing your fireplace for winter, to what to do if your basement floods.Ĭontact us: Looking to buy your first home? Do you have questions about home improvement or homeownership? We’re here to help with your next home project.How to Choose the Best FEHB Plan For You and Your Family Maintaining your home: Necessary home maintenance can save your thousands in the long run. Plus, hear hacks from professional organizers on maximizing counter space, Keeping your home clean and organized: We breakdown the essential cleaning supplies you need, and point out the 11 germy spots that are often overlooked. Pets can make a house a home, but stopping your cats from scratching the furniture isn’t always easy. ![]() For your green thumb, find tips for saving money on houseplants and how to keep your plants alive longer. Plants and pets: Your furry friends and greenery add more life to your spaces. Your home + climate change: Whether you’re trying to prepare your home for an electric vehicle or want to start composting, we’re here to help you live more sustainably. Consider which renovations add the most value to your home (including the kitchen and bathroom), what you can actually get done in a weekend, and everything in between. The Home You Own is here to help you make sense of the home you live in.ĭIYs you can actually do yourself: Don’t be intimidated by those home projects. ![]()
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