Federal benefits expert Tammy Flanagan is here to share essential tips for making smarter insurance choices, navigating open season, and preparing for retirement. Learn how to avoid common mistakes, understand Medicare decisions, and use tools like the Checkbook Guide and OPM plan comparison to save money and boost your coverage.

00:00 – Intro

00:49 – Tammy Flanagan on Planning for Open Season Early

03:32 – Tools to Compare and Choose the Right Federal Health Plan

05:55 – Common Mistakes Feds Make with Insurance and Medicare

09:15 – What to Know About Health Coverage in Early Retirement

12:01 – Why NARFE Advocacy Matters and How to Get Involved

Regardless of if you're early in your career or planning retirement, this episode will help you get the most from your federal benefits.

Helpful Resources:

• Learn more about NARFE: https://www.narfe.org 

• Visit OPM’s plan comparison tool: https://www.opm.gov/healthcare-insurance/healthcare/plan-information 

• Meet with Tammy: https://plan-your-federal-retirement.com/talking-with-tammy/ 

• Work with Love: www.fedupwardcoaching.com 

Connect with Love:

• LinkedIn: www.linkedin.com/in/love-rutledge

Facebook: facebook.com/fedupward