Key Takeaways:

1. Civilian military employees have access to comprehensive health benefits through the Federal Employee Health Benefits (FEHB) program.
2. Understanding and maximizing these benefits can significantly enhance overall health and wellness.

Learn About Health Benefits as a Civilian Military Employee

Civilian military employees, often referred to as civil service members, play a crucial role in supporting the United States military. Alongside their vital contributions, they are provided with robust health benefits designed to support their well-being. This article breaks down these benefits, helping you understand and maximize them.

Overview of Health Benefits

Civilian military employees enjoy a range of health benefits comparable to those offered to active-duty military personnel. These benefits are part of a comprehensive package that includes medical, dental, vision, and wellness programs. The primary health benefit program available is the Federal Employee Health Benefits (FEHB) program, offering a variety of plans to meet diverse needs.

FEHB Essentials

The Federal Employee Health Benefits (FEHB) program offers health insurance plans to federal employees, including civilian military personnel. This program provides a variety of plan options to suit different needs and preferences.

Plan Options

FEHB includes a wide array of plans, from fee-for-service (FFS) plans to health maintenance organizations (HMOs) and high deductible health plans (HDHPs). Each plan type has distinct features, coverage levels, and costs, allowing employees to select the one that best fits their health needs and budget.

Enrollment Periods

Understanding the enrollment periods for FEHB is crucial. The annual Open Season is the primary time to enroll, change plans, or adjust coverage. Special enrollment periods are available for qualifying life events such as marriage, birth of a child, or loss of other health coverage.

Premiums and Cost Sharing

FEHB plans come with different premiums and cost-sharing arrangements. Employees share the cost of premiums with the government, making the plans more affordable. Additionally, out-of-pocket expenses, such as deductibles, copayments, and coinsurance, vary by plan and should be considered when choosing coverage.

Extra Health Services

Beyond basic health insurance, civilian military employees have access to additional health and wellness services that enhance their overall well-being.

Dental and Vision Coverage

Many FEHB plans include options for dental and vision coverage. These benefits help cover routine exams, corrective lenses, dental procedures, and more, contributing to comprehensive health care.

Employee Assistance Programs (EAPs)

EAPs offer confidential counseling services and support for personal and work-related issues. These programs provide resources for managing stress, mental health, financial counseling, and other personal challenges.

Wellness Programs

Wellness programs are designed to promote healthy lifestyles and prevent chronic diseases. These programs may include fitness memberships, smoking cessation programs, weight management support, and health education resources.

Getting the Most from Your Benefits

Maximizing your health benefits requires understanding your options and actively managing your health care.

Regular Health Screenings

Regular health screenings and preventive care are essential for early detection and management of health issues. Utilize the preventive services covered by your plan to maintain optimal health.

Utilize Available Resources

Take advantage of the resources provided by your health plan, such as online tools, customer service, and health coaches. These resources can help you make informed decisions about your health care.

Stay Informed

Stay informed about changes to your health benefits, enrollment periods, and new services offered. Regularly reviewing your plan’s benefits and coverage can help you adapt to any changes and ensure you are using your benefits effectively.

Comprehensive Support for Civilian Military Employees

Civilian military employees have access to a wide range of health benefits designed to support their well-being. Understanding and utilizing the FEHB options, along with additional health services, can significantly enhance your health care experience. By staying informed and proactive, you can make the most of these benefits, ensuring comprehensive health support throughout your career.

Contact Information:
Email: [email protected]
Phone: 3604642979

Bio:
After entering the financial services industry in 1994, it was a desire to guide people towards their financial independence that drove Aaron to start Steele Capital Management in 2013. Armed with an extensive background in financial planning and commercial banking coupled with a sincere passion for helping people, Aaron has the expertise and affinity for serving the unique needs of those in transition. Clients benefit from his objective financial solutions and education aligned solely with
helping them pursue the most comfortable financial life possible.

Born in Olympia, Washington, Aaron spent much of his childhood in Denver, Colorado. An area outside of Phoenix, Arizona, known as the East Valley, occupies a special place in Aaron’s heart. It is where he graduated from Arizona State University with a Bachelor of Science degree in Business Administration, started a family, and advanced his professional career.

Having now returned to his hometown of Olympia, and with the days of coaching his sons football and baseball teams behind him, he now has time to pursue his civic passions. Aaron is proud to serve on the Board of Regents Leadership for Thurston County as the Secretary and Treasurer for the Morningside area. His past affiliations include the West Olympia Rotary and has served on various committees for organizations throughout his community.

Aaron and his beautiful wife, Holly, a Registered Nurse, consider their greatest accomplishment having raised Thomas and Tate, their two intelligent and motivated sons. Their oldest son Tate is following in his father’s entrepreneurial footsteps and currently attends the Carson College of Business at Washington State University. Their beloved youngest son, Thomas, is a student at Olympia High School.

Focused on helping veterans and their families navigate the maze of long-term care solutions, Aaron specializes in customized strategies to avoid the financial crisis that care related expenses can create. Experience has shown him that many seniors are not prepared for the economic transition that takes place as they reach an advanced age.

With support from the American Academy of Benefit Planners – an organization with expertise and resources on the intricacies of government benefits – he helps clients close the gap between the cost of care and their income while protecting their assets from depletion.

Aaron can help you and your family to create, preserve and protect your legacy.

That’s making a difference.

Disclosure:
Investment advisory services are offered through BWM Advisory, LLC (BWM). BWM is registered as an Investment Advisor located in Scottsdale, Arizona, and only conducts business in states where it is properly licensed, notice has been filed, or is excluded from notice filing requirements. This information is not a complete analysis of the topic(s) discussed, is general in nature, and is not personalized investment advice. Nothing in this article is intended to be investment advice. There are risks involved with investing which may include (but are not limited to) market fluctuations and possible loss of principal value. Carefully consider the risks and possible consequences involved prior to making any investment decision. You should consult a professional tax or investment advisor regarding tax and investment implications before taking any investment actions or implementing any investment strategies.