The Federal Employees Health Benefits (FEHB) forms part of the Government Health Program. This is whereby employees health benefits are provided to:
Civilian Government employees and Annuitants of the United States Government.
The Government contributes 72% of the weighted average premium of all plans. Furthermore the FEHB program allows some insurance companies to offer health insurance plans to governmental employees.
In the Government Health Program, the employee will be fully covered in any plan he or she chooses without limitations regarding pre-existing conditions. Changes may, however, be made upon a life-qualifying event. Thus this may occur even though open enrollment is closed.
The Military Healthcare system is part of the Government Health Program. It is the Military Health System that provides healthcare to active duty and retired U. S. Military Personnel and their dependents. Therefore its primary mission is to maintain the health of military personnel. This, therefore, enables them to carry out their military missions. As a result, it delivers health care during wartime.
Part A of the Government Health Program covers inpatient hospital stays including semi-private room, food and tests. The maximum length of stay is typically 90 days. The first 60 days would be paid by Medicare in full except for one copayment of $1, 216 at the beginning of the 60 days. Days 61-90 require a copayment of $304 per day.
Part B penalises hospitals for re-admission. Medicare will take back from the hospital these payments. Furthermore, there is a penalty of 4 to 18 times the initial payment. The highest penalties are charged after knee or hip replacements. For example, $265, 000 per excess readmission. The goal is to encourage better post-hospital care.
The beneficiary is also allocated “lifetime reserve days” that can be used after 90 days. Furthermore, these lifetime reserve days require a copayment of $592 per day
Part C covers a Medicare Advantage Plan and is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organisations, Preferred Provider Organisations, Private Fee-for-Service Plans, Special Needs Plans and Medicare Medical Savings Accounts Plans.