As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Welcome to the insurance services website for Federal retirees and their survivors. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, and long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Welcome Federal employees. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, long term care, and flexible spending accounts. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
On this site, you will find resources to help you with your day-to-day activities. By clicking on of the program links below, you can find information about the Federal Employees Health Benefits (FEHB) Program, the Federal Employees Dental and Vision Insurance Program (FEDVIP), the Federal Flexible Spending Account Program (FSAFEDS), the Federal Employees' Group Life Insurance (FEGLI) Program, and the Federal Long Term Care Insurance Program (FLTCIP). Learn More
As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Eligible employees and annuitants can choose among 7 nationwide and 5 regional dental plans. Nationwide plans also offer international coverage. Learn More
Eligible employees and annuitants can choose among 5 nationwide vision plans. Nationwide plans also offer international coverage. Learn More
We offer the largest group life insurance program in the world, covering employees, retirees and family members. Learn More
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season. Learn More
Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP. Learn More
Generally, as a Federal employee, you share the cost of your health benefits premium with the Government. Please check our Premiums page for more information. You can also find premiums in your health plan brochure. Click here for the current or upcoming benefit year health plan brochures. In addition to the health plan's premium, you may have to pay deductibles, copayments, or coinsurance.
The FEHB Handbook has additional information on how the Government's share is calculated. For most employees, the Government contribution equals the lesser of
The amount you pay is the balance. That is, the difference between the total premium and the government contribution for your health plan. If you are enrolled in a health plan that has premiums above the average, the premium balance for you to pay will be higher.
Please note some temporary employees do not receive a Government contribution toward the cost of their health insurance.
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 7 nationwide and 5 regional dental plans. Nationwide plans include international coverage.
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 5 nationwide vision plans. Nationwide plans include international coverage.
We offer the largest group life insurance program in the world, covering employees, retirees and family members.
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.
Applications for coverage under the Federal Long Term Care Insurance Program were suspended December 19, 2022. This was done to allow OPM and the FLTCIP carrier, John Hancock Life & Health Insurance Company, the time to assess the benefit offerings and establish sustainable premium rates that reasonably and equitably reflect the cost of the benefits provided.
When not suspended, most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP.