The Consumer Checkbook’s Guide and FEHBP Open Season with Walton Francis

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November 27, 2017 – Hosts Bob Leins and Tammy Flanagan, Senior Benefits Director at NITP, welcome insurance expert and author Walton Francis to the studio to talk about FEHBP open season.  The CHECKBOOK’s Guide shows that most families can save $2,000 or more by selecting better plan choices.

Francis is the principal author of both online and print versions of Consumers’ CHECKBOOK’s Guide to Health Plans for Federal Employees.  The Guide gives you vital insurance information that you cannot get from any other source.  It tells you how much money you can save by changing – or by staying in – your health insurance plan, and summarizes thousands of facts about the plans to simplify your choice.

At the Guide’s website,, you can check to see if your agency has purchased access to the Guide for you.

It rates all of over 250 health insurance plans available to federal employees and retirees, including twenty national plans, over 200 health maintenance organization (HMO) options, and over a dozen consumer-driven and high deductible plan options.

Its ratings of plan costs take into account premiums, catastrophic limits, and estimates of likely out-of-pocket costs for medical expenses of every kind.

It compares plans for insurance value in dealing with unforeseen medical expenses, not just for the routine costs you can predict.  It also compares limits on out-of-pocket costs based on the actual coverage allowed by each plan, not just what the plan seems to say before you read the fine print.

It rates dental and vision plans as well. It provides dollar estimates of likely dental costs, taking into account both premiums and out-of-pocket expenses, not just descriptions. It compares dental coverage in all plans, not just stand alone plans.

It provides up-to-date information on changes in the FEHBP program and the latest information on the increase in Medicare Part B premiums.

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