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Retirees / Survivors Guide Me

Overview

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.

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 4 nationwide and 3 regional dental plans. Nationwide plans also offer international coverage. Learn More

Vision

Eligible employees and annuitants can choose among 3 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

I’m eligible for Medicare. What do I do?

The decision to enroll in Medicare is yours. If you do not apply for one or more parts of Medicare, you can still be covered under the Federal Employees Health Benefits (FEHB) Program. Your FEHB premiums will not be reduced if you enroll in Medicare.

  • Medicare Part A (Hospital Insurance) is generally available premium-free, in which case we advise you to enroll.
  • Medicare Part B (Medical Insurance) requires the payment of a monthly premium. Some services covered under Part B might not be covered or only partially covered by your plan, such as orthopedic and prosthetic devices, durable medical equipment, home health care, and medical supplies (check your plan brochure for details).
  • Medicare Part C (Medicare Advantage) offers private health care choices (like HMOs) in some areas of the country. You may suspend your FEHB coverage to enroll in a Medicare Advantage plan.
  • Medicare Part D (Medicare prescription drug coverage) requires a monthly premium payment. Most Federal employees do not need to enroll in the Medicare prescription drug program since all FEHB plans have prescription drug benefits that are at least equal to the standard Medicare prescription drug coverage.

You may change your FEHB enrollment to any option of any available plan at any time beginning on the 30th day before you become eligible for Medicare. You may make an enrollment change under this event only once.

Further information about the FEHB Program and Medicare is on our website. You can find more information about Medicare by calling at 1-800-MEDICARE (1-800-633-4227) or at www.Medicare.gov.

Related Questions

Dental

Eligible employees and annuitants can choose among 4 nationwide and 3 regional dental plans. Nationwide plans also offer international coverage.

Choose your question:

Vision

Eligible employees and annuitants can choose among 3 nationwide vision plans. Nationwide plans also offer international coverage.

Choose your question:

Life

We offer the largest group life insurance program in the world, covering employees, retirees and family members.

Choose your question:

Flexible Spending Accounts

Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.

Choose your question:

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.

Choose your question:

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