hi Barb,

there are some special circumstances. for example, NASA had an open enrollment period last year for everyone, not just new employees. i jumped on it. the deal was that you had to be alive for one year before the policy goes into effect. in fact, i have to show up at work on some special day this september.

folks who work for government agencies can be on the lookout for special offers, rather than ignoring insurance literature ... as i normally do.

federal employees often have the same benefits offered as Congress, so we are often on the winning team.

i wish that others had the same opportunities.

cu,
larryb