Guide Me
New / Prospective Employees
New / Prospective Employees
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
Retirees / Survivors
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
Federal Employees
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
Benefits Officers
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
Overview
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.
Choose a program to begin:
Health
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
Dental
Eligible employees and annuitants can choose among 7 nationwide and 5 regional dental plans. Nationwide plans also offer international coverage. Learn More
Vision
Eligible employees and annuitants can choose among 5 nationwide vision plans. Nationwide plans also offer international coverage. Learn More
Life
We offer the largest group life insurance program in the world, covering employees, retirees and family members. Learn More
Flexible Spending Accounts
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season. Learn More
Long Term Care
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
Health
How do I find a plan?
OPM offers a variety of ways for you to find health plans, and the information you need about them.
- Plan Comparison Tool - an interactive tool directing you to individual health plan brochures, benefit and premium information, and health plan results from member surveys and accreditation reviews.
- Plan Info by State - find health plans by state and review health plan brochures, directories of doctors and hospitals who participate with those plans, links to the plan websites, how the plans benefits change from one year to the next, and explanations of the plans' patient safety initiatives.
- Premiums - find the premiums for health plans.
- Types of FEHB Plans Want to learn more about the different types of plans that participate in the FEHB Program and how you pay for and receive care under each type?
- You can find out information on overseas coverage by FEHB plans by visiting our plan information pages.
- Selecting Quality Healthcare – discover how OPM evaluates health plan quality, and what customers are saying about their care experience.
OR
Try this private sector comparison tool:
Related Questions
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How do I find a plan?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When can I enroll?
Dental
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 7 nationwide and 5 regional dental plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How do I find a plan?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When can I enroll?
Vision
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 5 nationwide vision plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How do I find a plan?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When can I enroll?
Life
We offer the largest group life insurance program in the world, covering employees, retirees and family members.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When can I enroll?
Flexible Spending Accounts
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How do I find a plan?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When can I enroll?
- When can I make changes to my coverage?
Long Term Care
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.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage I currently have under another non-Federal plan?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- How do I enroll?
- How do I find a plan?
- How much do I pay for coverage?
- What benefits are available?
- What if my question isn’t here?
- When can I enroll?
- When can I make changes to my coverage?