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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 not currently enrolled. When can I enroll?

If you were not enrolled in the Federal Employees Health Benefits (FEHB) Program (or covered as a family member under another FEHB enrollment) when you retired, you cannot enroll.

If you suspended your FEHB enrollment in order to enroll in a Medicare Advantage plan, TRICARE, CHAMPVA, Medicaid or a similar State-sponsored program of medical assistance for the needy, or use Peace Corps health insurance coverage, you may voluntarily reenroll during the annual Federal Benefits Open Season (mid-November through mid-December). If you involuntarily lose your Medicare Advantage, TRICARE, CHAMPVA, Medicaid or state-sponsored, or Peace Corps health insurance coverage, you can reenroll in FEHB the day after your coverage ends.

If you are eligible to continue FEHB enrollment into retirement but are covered under another person’s FEHB enrollment, you are eligible to enroll if you lose coverage under the other person’s enrollment. You can make this change from 31 days before through 60 days after the loss of coverage.

Please contact your retirement system to reenroll. If you are a CSRS or FERS retiree, please contact OPM at 1-888-767-6738 or send an email to retire@opm.gov. You can also write to the Retirement Office at

U.S. Office of Personnel Management
Office of Retirement Programs
P.O. Box 45
Boyers, PA 16017

You can find more information in the chapter on Annuitants and Survivors in the FEHB Handbook

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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