Personal Consumer Issues • Insurance plan year (Jan 11th), deductible question

This Q&A from OPM seems to answer your question?—

I made an Open Season enrollment change. If I have to go to the doctor after January 1, which plan do I contact?

Your new plan is NOT responsible for providing coverage until the effective date of your enrollment change which for most employees is the first day of the first full pay period in January. If you need medical services before the effective date of your Open Season enrollment, you should contact your old plan. Please remember, while the new enrollments are not effective until the first full pay period in January, the new plan benefits are effective January 1. Your old plan, therefore will provide coverage according to the new contract. These expenses will count toward your prior year's deductible.

If you are an annuitant, you should contact your new plan. Your Open Season enrollment is effective January 1.

https://www.opm.gov/healthcare-insuranc ... ec87ac5157

See also this discussion on reddit. https://www.reddit.com/r/fednews/s/PuWzR8h67O

Statistics: Posted by Iorek — Sat Nov 08, 2025 10:15 pm — Replies 7 — Views 506

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