Insurance Benefits

As a Federal employee, retiree or family member of one of these groups, there are various insurance benefits available to you.

Health Benefits -- The Federal Employees Health Benefits (FEHB) Program became effective in 1960. It is the largest employer-sponsored group health insurance program in the world, covering over 9 million Federal employees, retirees, former employees, family members, and former spouses. For more information about FEHB, send an email to fehb@opm.gov.

Life Insurance -- Established in 1954, the Federal Employees' Group Life Insurance (FEGLI) Program is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members. For more information about the FEGLI program send an email to fegli@opm.gov .

Federal Employees Dental & Vision Insurance Program (FEDVIP) -- The Federal Employees Dental and Vision Insurance Program (FEDVIP) is available to eligible Federal and Postal employees, retirees, and their eligible family members on an enrollee-pay-all basis. This Program allows dental and vision insurance to be purchased on a group basis which means competitive premiums and no pre-existing condition limitations. Premiums for enrolled Federal and Postal employees are withheld from salary on a pre-tax basis.

Long Term Care -- The Federal Long Term Care Insurance Program provides an important benefit that can help pay long term care expenses you may incur in the future. Over 20 million members of the Federal Family, including Federal and Postal employees and annuitants, members and retired members of the uniformed services, and qualified relatives can apply for this insurance.

Flexible Spending Account -- Flexible Spending Accounts enable eligible employees to pay for certain medical and dependent care expenses with pre-tax dollars.

FSAFEDS offers three different flexible spending accounts (FSAs): a health care flexible spending account, a limited expense health care flexible spending account, and a dependent care flexible spending account.