• Free Discounts Newsletter for Federal Employees!

    For over 5 years, FedSave has been helping hard working Government employees – like you – save money by providing detailed information on discounts, special offers and coupons from brand name retailers that are designed exclusively for Government employees!

    Many of these discounts are available on our website – Premium Discounts, however, are only available in our FREE FedSave Newsletter.

  • Federal Employee Health Benefits And Medicare

    July 14th, 2016 | No Comments »

    Turning 65? If you are like most national retirees and workers you could be feeling unsure and unclear of how Medicare and Federal Employee’s Health Benefits Program will work together. This is a subject that consistently gets lots of questions and some discussion during pre-retirement seminars.

    Most individuals will agree that registering in Medicare Part A (hospital insurance), is the right thing to do. After all, there is not a premium for anyone who has paid the 1.45 percent Medicare tax. Component A is additionally accessible to the partner of someone who has qualified.

    The larger question calls for Medicare Part B (health insurance), particularly whether you need it if you already have Federal Employee’s Health Benefits Program coverage. Here are the basics you need to know.

    Medicare Basics

    Medicare Parts A & B are contained in what’s called the Original Medicare Plan with “A” insuring hospitalization and “B” paying for your physician and outpatient care. Component C is the Medicare Advantage Plan, and you’ll be able to select between the First or Medicare Advantage plans when you sign up. Part D covers Prescription Drugs.

    The first choice we must make is whether or not to sign up for Medicare at all. Yes, we do have that choice if we are not insured under TriCare (the military retiree’s health care plan). OPM along with the Federal Employee’s Health Benefits Program health care providers recommend that you apply for Medicare benefits three months before you turn 65.

    OPM states, “if you’re eligible for Part A without paying the premiums, you should choose it, even if you are still working. This may help cover some of the costs that your Federal Employee’s Health Benefits Program plan may not cover, for example, deductibles, coinsurance, and fees that surpass the strategy’s allowable prices.” OPM PDF Source Here

    You must decide on whether to sign up for the Original Medicare Plan (Component A and B) or Medicare Advantage Part C, which gives Preferred PPOs and HMOs coverage. Component D, Medicare’s prescription drug benefit, needs an additional monthly premium and is unnecessary in many instances because Federal Employee’s Health Benefits Program coverage plans contain an all-inclusive prescription drug benefit.

    National retirees with Federal Employee’s Health Benefits Program coverage generally choose the First Medicare Plan because it is accessible nationally and you can go to any doctor, specialist, or hospital that accepts Medicare. You may find some of the Medicare Advantage Plans under Component C less expensive than an FEHB plan. There are major dissimilarities between both policies and you’ll need to understand the plan offering including dental, prescription drugs, deductibles, co-payments, and coinsurance.

    There is no simple choice between the Medicare system and Federal Employee’s Health Benefits Program

    You could examining Medicare and Federal Employee’s Health Benefits Program for several years and still realize it is not an easy decision to make. But if you think about the reasons you have health insurance in the first place, then it makes sense that you simply might want added protection at a time in your life when your health is in greater danger of failing.

    It would be much simpler if Federal Employee’s Health Benefits Program coverage would supply supplemental Medicare plans that would require Medicare registrants to participate. There are no Federal Employee’s Health Benefits Program plans that supply this sort of auxiliary strategy at a lower price to FEHBP enrollees. Under the military plan, Tricare for Life, it is required that enrollees show proof of registration in Medicare A and B before getting coverage.

    There is one Federal Employee’s Health Benefits Program plan that helps with the Part B premium — the MHBP normal alternative strategy will pay up to $125 of the monthly premium. Once registered, MHBP will no longer ignore your deductibles, copayments and coinsurance, which would make this plan more appealing to people who are still enjoying excellent health and need to prevent the late registration fee for Part B. The only catch is your share of the premium for MHBP non-postal is $209.13 per month for self-only coverage, and $505.65 per month for self and family coverage, making it one of the highest-priced plans in FEHBP. (prices quoted at the writing of this article and can change)

    Reasons to Register for Part B

    Based on the preceding info, there is a solid argument countering Part B registration. But it is not so easy to make the decision. Here are a few reasons to reconsider enrolling in Part B:

    You might be in excellent health now, what about afterward? If you decide to enroll in Part B after you’re retired and over age 65, there is a 10 percent late registration surcharge on the premium for every 12 months that you delayed your registration.

    If you lose your first registration at 65, you can just enroll in Medicare during the annual general registration period from January through March (with coverage effective in July). There is a specific registration accessible for people that are covered by health insurance for a partner who is still employed. The specific registration is accessible anytime you have  coverage based on present employment. You may sign up for Part B free of penalty so long as you register within eight months of when the present employment health coverage ends.

    Many Federal Employee’s Health Benefits Program coverages supply many different incentives to get you to register for both plans. If Medicare is your main insurance, several FEHBP plans will waive their deductibles, copayments and coinsurance for services that are covered by both Medicare and the strategy.

    This articles is meant to be a primer to get you started, here are two excellent government resources for retirement that you should continue to read so you can make an informed decision:

    Scholarship Opportunities For Federal Employees And Their Dependents

    July 4th, 2016 | No Comments »
    feea logo

    The Federal Employee & Education Assistance Fund was established in 1986 by leaders of federal unions and management associations across the country. These founders were elected to represent the interests of all federal employees. These interests include job and wage safety in the event of emergency, schooling for federal and postal employees and their families, and child care.

    The FEEA stands up for the rights of federal employees and raises money for scholarships and awards. Any federal employee is welcome to apply for a scholarship in order to help lessen the burden of education for spouses and family members. These applications are judged on the basis of merit, rewarding hard workers and their families. More than four hundred students are awarded FEEA scholarships each year, helping each of them to pay for between $500 and $2,500 worth of classes. The applications are available from January to March of each year for the coming calendar year.

    In addition to this basic scholarship, the FEEA also awards two others to outstanding candidates taken from the same application pool. The FEEA-NTEU scholarship awards six students $5,000 in additional funds. The Cooke Memorial Scholarship also offers additional money to qualified candidates. There are partner programs offering over $75,000 per year in additional scholarships as well.

    The FEEA is the only organization holding scholarship competitions strictly for families of federal employees.

    Eligibility Requirements
    In order to be eligible for these FEEA sponsored scholarships, you must be a currently employed federal employee or postal service employee who has already put in three years or more of federal service. Spouses and children of federal employees are also eligible. In the case of employee’s children, applications may be submitted during the senior year of high school. Any dependent must enroll full time in classes in order to maintain a scholarship, but employees may go to school part time to accommodate their work schedule.

    These scholarships can go towards either two year, four year, or graduate degrees from any accredited college, university, or other post-secondary institution. Either current students or those intending to enroll for the coming year can apply, but applicants must have a grade point average of 3.0 or higher in order to be considered. All applicants who are chosen to accept scholarships must be enrolled in school for the fall semester of the year in which they apply. This means if you intend to go to school in the Fall quarter of 2016, you must send in your application from January to March of the same year.

    There are a few forms that must be included with the application upon submission. These include complete high school transcripts, or college transcripts if the applicant has some secondary schooling. One letter of recommendation or written reference should be attached as well as a short personal essay that must be written by the applicant him- or herself. The topic for this essay changes annually. Plagiarism of scholarship essays can result in forfeiture of funds, so honesty is the best policy here.

    Applicants are also required to submit a special form listing all extracurricular activities, awards, and community service performed. Whichever federal employee is sponsoring the application must also include a copy of his or her SF-50.

    It can be a challenge in today’s economy to provide education for yourself and your family. Civilian federal employees are defined for the purposes of awarding scholarships as anyone who is directly and currently employed by the US federal government. This does not include state workers, or members of the military; nor does it cover the family members of retired federal workers, but there are other resources offered by other organizations to cover these expenses. If you receive federal benefits, including FEHBP, CSRS, TSP, FERS, and annual leave, you are likely eligible. This includes all Commissioned Corps.

    All required information must be sent in one package, with the exception of the student’s transcript. Be sure to have your entire application put together and check that nothing is missing, as the FEEA does not guarantee the processing of any application that has not arrived as one package.

    The requirements are quite strict, as are the due dates, so calculate your GPA first and ensure that your employment history includes a full three years of federal service. And make sure you get your application in on time. There will be no exceptions made for any of these rules.

    If you or your loved ones are trying to better themselves through continued education, keep in mind that the Pell Grants and direct loans available to all students to lessen the financial burden of attending college or university are also available to federal employees. Some specific schools also have additional scholarships available for government employees. For example: local, state, and federal employees who wish to enroll in the Masters program in Public Administration at the H. Wayne Huizenga School of Business and Entrepreneurship in Fort Lauderdale, Florida can receive a 20% discount off of the listed enrollment price just by showing their government credentials upon enrollment. Palm Beach Atlantic University in West Palm Beach, Florida and the Robertson School of Government in Virginia Beach, Virginia both offer tuition reductions on Master’s programs for government employees as well. As with all students receiving scholarships or tuition reductions, grades must be maintained to continue receiving funding.

    Scholarships like those offered by FEEA are intended to lessen the burden of this challenge for qualified applicants, so why not take advantage of them?

    Champlain College Online Federal Employee Discount

    June 23rd, 2016 | No Comments »
    tru-ed-logo

    All Federal Employees, spouses, and eligible adult dependents now qualify for truED benefits from Champlain College Online. truED is the national division of Champlain College to provide relevant, accelerated, and quickly applicable online-based education for adult learners. Champlain College is accredited by the New England Association of Schools and Colleges, Inc. through its Commission on Institutions of Higher Education.

    Federal Government, as part of truED alliance, offers advanced educations for its employees and their families with 70% less than the college standard tuition through flexible payment options. Subscription is also flexible, meaning students can increase, modify, and cancel it within 30 days of written notice. Various programs are available including IT, healthcare, accounting, and business management from undergraduate certificates to master’s degrees.

    Who is Eligible

    Federal Employees, spouses and eligible adult dependents qualify for the truED benefits. The term “adult dependent” means a person between 22-26 years of age who is covered by Federal employee benefits. All online programs are designed for adults consisting of discussions and projects based on each student’s workplace scenarios. Someone between  the ages of 18-21 years old is considered an adult but the college does not admit individuals within that age group to the online programs. It is worth mentioning that discounted-tuition does not apply to campus-based degrees.

    All course contents are immediately applicable to the individual’s career. Everything is packaged in an online format flexible enough to manage regardless of your work schedule. The learning environment is designed to allow students to know classmates and professors so the educational atmosphere is not that different from its conventional campus-based counterpart.

    tru-edtruED Learning System

    Besides providing the deeply discounted tuition, the truED program promises the following benefits:

    Flexible classes: the learning portal is open 24 hours a day, 7 days a week. Students can log on anytime they feel comfortable. In fact, most classes allow students to make their own schedules including for assignments and taking tests.

    Simple: once the students receive the course syllabus, they can check who their classmates are. Assignments and lectures are all posted online and remain accessible through a semester.

    Built-in tools: all features and tools necessary to complete the program are available in the course. Assignment and testing tools are built-in along with an email client to contact professors and classmates privately.

    Learn more about the truEd Champlain College Online here

    Travel With Alamo Government and Military Coupons

    August 16th, 2013 | No Comments »
    alamo

    Alamo has a Government and a Military program. Sometimes sites will remove the offers or they are just difficult to find. So we have a screen shot of the benefits and how to obtain them. Notice the most important thing to have is the code:

     

    Contract ID/Coupon: GOVBIZ

     

     

    You get discounted rates and more. Go to Alamo Here

    fedsave-alamo

    This has been added to the Federal Travel Coupon Page

    Alamo Government Coupon Codes

    August 9th, 2013 | No Comments »

    Alamo car rental has two deals for Government workers. Alamo has been around since 1974.


    Alamo offers low rental rates and a hassle-free customer experience at the most popular travel destinations throughout the United States, Canada, Mexico, the Caribbean, Latin America and Asia.


    Alamo customers in the U.S. are able to conveniently choose their own vehicles, based upon their advance reservation and requested car class, and then simply drive away from the airport. Alamo’s 171 self-serve kiosks at 63 U.S. locations also allow customers to expedite their check-in time and hit the road faster.

    Here are the deals:

    Government Coupon Code: AF8621ADP
    Deal: Enjoy One Free Day of Rental
    Details: Reserve a compact through full-size car in the United States, Canada, Latin America or Caribbean. Valid for a rental of at least 5 days with a Saturday overnight keep. Valid through 12/31/15.

    Government Coupon Code: AU5751ADC
    Deal: One Car Class Upgrade
    Details: Reserve a compact through standard car in the United States or Canada.
    Valid through 12/31/15.

    This has been added to the Federal Travel Coupon Page

    T-Mobile Federal Employee Discount

    March 14th, 2012 | 2 Comments »
    tmobile federal employee discount

    Switch to T-Mobile and take advantage of America’s Largest 4G Network, Affordable Smartphones, 15% discount on monthly service and Waived activation fees* all part of the T-Mobile Federal employee discount. For additional information or to place a new order please contact T-Mobile at 877-426-2024. Reference promo code 15327TMOFAV.

    Already using T-Mobile? Call 877 453 8824 or go to www.tmobile.com/corpdiscount to check your eligibility.* (*some restrictions may apply)

    1-800 Flowers, Gifts, Popcorn and More!

    December 18th, 2011 | No Comments »

    Mom Deserves the Best Federal Employee Gifts

    FEDSAVE Members Choose your Savings!
    SAVE $10 off of $39.99+ (as much as a 25% discount)

    Use PROMOTION Code: FEDSAVETEN

    OR

    Or SAVE 20% on any order
    Use PROMOTION Code: FEDSAVE

    To take advantage of these savings, simply visit either 1800flowers.com or 1800Baskets.com websites and enter the discount codes during check-out. These Savings are also available at ThePopcornFactory®, Cheryl’s® & Fannie May Fine Chocolate® on the 1-800 websites.

    Find great holiday gifts, like exclusive gift baskets, holiday flowers, and more. For corporate and personal gifts, make 1-800-FLOWERS.COM your first stop.

    Go to www.1800flowers.com, www.1800baskets.com or call 1-800-FLOWERS (1-800-356-9377)

    HP Federal Employee Discounts

    November 27th, 2011 | No Comments »
    hp

    Hewlett-Packard is the worlds largest information technology company and is a proud provider of HP Federal employee discounts. These exclusive discounts are available on a limited number of items however, so you need to shop around to make sure you get the best possible price. This is true for most all of the large computer companies so take your time and enjoy the HP Federal employee discounts when you can!

    To get the HP Federal employee discount, you will need to visit the HP website and sign-up for their HP Purchase Program. Here is what you need to do:

    1. Visit the HP Federal Employee Discounts Web Page by clicking here.

    2. Complete the form on the page. When asked for a “Company Code” enter “2344”. This is the standard discount code for all Federal employees.

    3. Once you complete the form, click on the “register” button and you’ll be taken to section of the HP website available only to Federal and State/Local employees.

    4. Look for items with the Yellow Tag near the price. The Yellow Tag signifies special offers for Federal employees.

    HP Federal employee discounts range from 8% to 10% and will vary through-out the year.

    AT&T Federal Employee Discount

    November 17th, 2011 | 2 Comments »

    AT&T Federal employee discountAn AT&T Federal employee discount is available to any active duty military or civilian employee. To see if you qualify, simply visit AT&T online and enter your email to validate your employment status. An AT&T Federal employee discount of 15% is generally available to all who qualify.

    If you shop online, you may also qualify for:

  • $25 off your order*
  • Exclusive access to special packages
  • Discounts on select phones and eligible plans (voice & data)
  • FREE shipping
  • 30-day return policy
  • You can also call and ask for your AT&T employee discount but we’ve heard from several FedSave members that this approach does not always work because not every operator or customer support person knows of these discounts. We suggest using the link below to go directly to the AT&T Federal employee discount page to avoid any problems.

    If you did not know, in addition to providing wireless services for Federal employees and their families, AT&T also provides a wide range of networking, mobile communication, and professional services through a variety of contracts and partners.

    Visit http://www.corp.att.com/gov/movn/ to take advantage of the AT&T Federal employee discount and to learn more.

    Federal IT Discounts

    October 18th, 2011 | Comments Off on Federal IT Discounts

    Regardless of your budget or project, there are many ways to get Federal IT discounts on all your technology purchases.

    The first site you should check for pre-negotiated discounts on Federal IT equipment is GSA.gov. GSA negotiates prices, terms and conditions with all companies before they are awarded a GSA contract.

    Another site for Federal IT discounts is the NASA SEWP contract. The SEWP contract (Solutions for Enterprise-Wide Procurement) is a multi-award Government-Wide Acquisition Contract (GWAC) vehicle focused on IT products and product based services. The contract includes discounts on computers, laptops, software, networking equipment, storage devices, security software, and more!

    Additionally, there are many private services that provide excellent pricing and information on Federal IT equipment. For example, one site you should check is FederalITUpdate.com. Federal IT Update provides all kinds of useful information to help you make the best decision on what to buy.