Coming Up on ForYourBenefit

November 19, 2018: The Consumers' Checkbook Guide and FEHBP Open Season with Walton Francis 

Host Bob Leins, CPA® and Ray Kirk, Ph.D. and Federal Benefits Specialist 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 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.

For questions or comments, email us in advance at

A Look Ahead

November 26, 2018:  Federal Open Season continues with Dominion National

Most Recent Past Shows

November 12, 2018:  Federal Open Season with GEHA, with Brian Sperling, Senior Account Manager, and Kathy Ross, Chief Health and Experience Officer with Government Employees Health Association, Inc.

November 5, 2018: Federal Open Season with AETNA Federal Plans, with Tom Bernatavitz, Vice-President of Aetna Federal Plans

October 30, 2018:  Federal Open Season with U.S. Office of Personnel Management, with Jay Fritz, Program Manager, Program Support and Analysis, Healthcare and Insurance, U.S. Office of Personnel Management

October 22, 2018:  Intro to Federal Benefits Open Season, with Maureen Wilkin, Federal Benefits Specialist NITP














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ForYourBenefit , NITP’s weekly radio program, presents information and strategies to help the Federal worker plan and navigate the unique issues of each career stage.   Join us each week as our guests discuss topics of interest including Federal benefits, financial planning/literacy, retirement concerns, FEHB Open Season, the Thrift Savings Plan, and much more.