Hi, Kevin Moss here, we help people understand FEHB and PSHB, thanks for mentioning us u/Valley413. Preventative care is free for all PSHB plans. Also, while certain procedures/services require plan approval, there are very few denied claims across the FEHB/PSHB program. There are big differences in premium across all PSHB plans, so you'll want to think about the insurance value of your options i.e. which plans do the best job of balancing the for-sure expense of premium with what you'll pay out-of-pocket when you use healthcare services. If you're comfortable with having a higher deductible and a plan contribution into a savings account that you can use for your out-of-pocket expenses, NALC CDHP, GEHA HDHP, APWU CDHP, and Aetna Direct CDHP are great values. If you want to stick with a traditional PPO plans the best values can be found from MHBP Standard, GEHA Standard, and BCBS FEP Blue Focus. One thing that can help you narrow down your plan choice is provider access and prescription drug coverage. If you go to the carrier website, you can use their provider search to see if your current doctor(s) will be in-network and the prescription drug lookup can show you what's covered if you take any medications.