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OPM.gov / Insurance / Guide Me
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Guide Me

New / Prospective Employees

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

Long Term Care

When can I make changes to my coverage?

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. 

You may request a change in your coverage, at any time outside a suspension period, by contacting Long Term Care Partners.

If you wish to increase your coverage outside a suspension period, you must provide, at your expense, evidence of your good health that is satisfactory to Long Term Care Partners.

You may decrease your coverage to any amount available under the Program, and your premiums (which will be based on your original age) will also decrease. You do not have to undergo new underwriting in order to decrease your coverage.

To request a change in your coverage, contact Long Term Care Partners by phone at 1-800-LTCFEDS (1-800-582-3337), or in writing at Long Term Care Partners, PO Box 797, Greenland, NH 03840-0797.

Related Questions

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