OPM.gov Home  |  Subject Index  |  Important Links  |  Contact Us  |  Help

U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce

Advanced Search

This page can be found on the web at the following url:

Insurance Programs


Federal Employees Health Benefits Program

The Federal Employees Health Benefits (FEHB) Program can help you and your family meet your health care needs. Federal employees, retirees and their survivors enjoy the widest selection of health plans in the country. You can choose from among Consumer-Driven and High Deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursable accounts and lower premiums, or Fee-for-Service (FFS) plans, and their Preferred Provider Organizations (PPO), or Health Maintenance Organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan.

Use this site to compare the costs, benefits, and features of different plans. We chose the different benefit categories based on enrollee requests, differences among plans, and simplicity. However, we urge you to consider the total benefit package, in addition to service and cost, and provider availability when choosing a health plan.

The plan brochures show you what services and supplies are covered and the level of coverage. Review the brochures carefully. The brochures are formatted to ensure they are all organized alike. You can get brochures from the health plans or your human resource office. When it comes to your health care, the best surprise is no surprise.

NEW - Benefits Administration Letter 09-202: Assistance for certain employees who are eligible for Temporary Continuation of Coverage (TCC) based on Public Law 111-5 Adobe Acrobat Version [40 KB]

The American Recovery and Reinvestment Act (ARRA) of 2009, enacted February 17, 2009, provides a new health insurance opportunity for former employees who were or are involuntarily terminated between September 1, 2008, and December 31, 2009. Under this new law, former Federal employees may request premium assistance for their temporary continuation of coverage (TCC) under the Federal Employees Health Benefits (FEHB) Program. Premium assistance means your former agency will make a Government contribution of 65 percent of the TCC premiums for your FEHB plan enrollment.

ARRA-TCC premiums for FEHB plans Adobe Acrobat Version [58 KB]

Health Information Technology (HIT) Transparency

Health information technology, based on broadly accepted standards, will allow patients, health care providers and payers (insurance carriers) to share information securely, driving down costs by avoiding duplicate procedures and manual transactions. More importantly, HIT will reduce medical errors; for instance, from misread, handwritten prescriptions and emergency care medical decisions made without complete and accurate information.

Since privacy and security considerations are central to Federal HIT implementation plans, patient records will be protected from inappropriate disclosure.