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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

Am I eligible?

OPM is extending the current suspension for coverage in FLTCIP to be effective on December 19, 2024, extending the current suspension expiring on that date. The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the extension period. Individuals not currently enrolled may not apply for coverage, and current enrollees may not apply to increase their coverage during the suspension period.

 OPM has determined that this extension of the FLTCIP suspension of applications for coverage is in the best interest of the Program due to ongoing volatility in long term care costs and a diminished insurance market, which are undermining the ability to establish benefit offerings with premium rates that reasonably and equitably reflect the cost of the benefits provided, as required under 5 U.S.C. 9003(b)(2).

 When the program is not suspended, you are eligible to apply for long term care insurance coverage if you are eligible for the Federal Employees Health Benefits (FEHB) Program (whether or not enrolled).

Related Questions

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